| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 | 1591 GALBRAITH AVENUE SE GRAND RAPIDS, MI 49546 | DELTA DENTAL OF MICHIGAN | $1K | $0 | $1K | 0.17% |
| ACRISURE LLC3 | 100 OTTAWA AVENUE SW GRAND RAPIDS, MI 49503 | DELTA DENTAL OF MICHIGAN | $183 | $0 | $183 | 0.02% |
| ACRISURE LLC3 | 5664 PRAIRIE CREEK DRIVE CALEDONIA, MI 49316 | DELTA DENTAL OF MICHIGAN | $12 | $0 | $12 | 0.00% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT SPECIALTY INSURANCE SE | 18100 VON KARMAN AVENUE SUITE 1000 IRVINE, CA 92612 | SYMETRA LIFE INSURANCE COMPANY | $0 | $18K | $18K | 2.66% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | PO BOX 2167 GRAND RAPIDS, MI 49501 | VISION SERVICE PLAN | $533 | $0 | $533 | 0.25% |
| STRATEGIC SERVICES GROUP3 | 245 BARCLAY CIRCLE SUITE 200 ROCHESTER HILLS, MI 48307 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 4.06% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 625 KENMOOR AVENUE SE SUITE 200 GRAND RAPIDS, MI 49546 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 3.71% |
| EL TORRO INC3 | 5425 MILLS RIDGE DRIVE SW WYOMING, MI 49418 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 2.51% |
| THE WORKSITE GROUP LLC3 Filed as: WORKSITE BENEFITS LLC | 4200 WEST MICHIGAN AVENUE SUITE 102 KALAMAZOO, MI 49006 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 1.90% |
| MYRNA L MURRAY3 Filed as: MYRNA L MURRAY AND OTHER AGENTS | 2114 BOSTON BOUELVARD, SUITE 2 LANSING, MI 48910 | CONTINENTAL AMERICAN INSURANCE COMPANY | $867 | $0 | $867 | 1.62% |
| SHAUN M KLUG3 | 957 HILLANDALE ROAD DENTON HARBOR, MI 49022 | CONTINENTAL AMERICAN INSURANCE COMPANY | $327 | $0 | $327 | 0.61% |
| EL TORRO INC3 | 14031 JOHN HUMPHREY DRIVE ORLAND PARK, IL 60462 | CONTINENTAL AMERICAN INSURANCE COMPANY | $318 | $0 | $318 | 0.59% |
| HUB INTERNATIONAL MIDWEST LIMITED4 Filed as: HUB INTERNATIONAL MIDWES | 1591 GALBRAITH AVENUE SE GRAND RAPIDS, MI 49546 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $2K | $0 | $2K | 16.94% |
| SCHILLER & ASSOCIATES LLC4 Filed as: SCHILLER AND ASSOCIATES LLC | 173 COTTAGE LANE MILFORD, MI 48381 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $2K | $0 | $2K | 11.76% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 898 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 5 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 907 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF MICHIGAN | 1,976 | $744K |
| Vision | VISION SERVICE PLAN | 1,620 | $212K |
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 898 | $664K |
| Short-term disability | SYMETRA LIFE INSURANCE COMPANY | 898 | $664K |
| Long-term disability | SYMETRA LIFE INSURANCE COMPANY | 898 | $664K |
| Other(4 contracts, 4 carriers) | SYMETRA LIFE INSURANCE COMPANY | 898 | $732K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,976 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.