| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES, IN | 32 OLD SLIP NEW YORK, NY 10005 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | $443 | $6K | 5.14% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LIMI | 55 EAST JACKSON BOULEVARD FLOOR 14B CHICAGO, IL 60604 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 2.63% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL GULF SOUTH L | 3510 NORTH CAUSEWAY BOULEVARD SUITE 300 METAIRIE, LA 70002 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $2K | $2K | 1.74% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | PO BOX 6650 METAIRIE, LA 70009 | METROPOLITAN LIFE INSURANCE COMPANY | $577 | $59 | $636 | 0.70% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INS SERVICES INC | 101 PARK AVENUE FLOOR 12 NEW YORK, NY 10178 | METROPOLITAN LIFE INSURANCE COMPANY | $499 | $45 | $544 | 0.60% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 46253 COLLECTION CENTER DRIVE 40 WEST MADISON 4TH FLOOR BANK OF A CHICAGO, IL 60693 | METROPOLITAN LIFE INSURANCE COMPANY | — | $370 | $370 | 0.40% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INS SERVICES INC | 5444 WESTHEIMER ROAD SUITE 900 HOUSTON, TX 77056 | METROPOLITAN LIFE INSURANCE COMPANY | — | $107 | $107 | 0.12% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES | 701 B STREET 6TH FLOOR SAN DIEGO, CA 92101 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $781 | — | $781 | 6.07% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 2487 CEDARCREST ROAD ACWORTH, GA 30101 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $506 | — | $506 | 3.93% |
| DANA SUMMERS3 | 135 BALLSTON DRIVE MOORESVILLE, NC 28117 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $308 | — | $308 | 3.81% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 2487 CEDARCREST ROAD ACWORTH, GA 30101 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $152 | — | $152 | 1.88% |
| CRYSTAL IBC LLC3 | 1 FINANCIAL SQUARE FLOOR 32 NEW YORK, NY 10005 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $142 | — | $142 | 1.75% |
| CHOICE BENEFITS SOLUTIONS LLC3 | PO BOX 41495 SAINT PETERSBURG, FL 33743 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $43 | $1 | $44 | 0.54% |
| CHOICE BENEFITS SOLUTIONS LLC3 | PO BOX 41495 SAINT PETERSBURG, FL 33743 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $43 | $1 | $44 | 0.54% |
| SHELLEY HARTSELL3 Filed as: SHELLEY CAMPBELL HARTSELL | 17227 SHEARER ROAD DAVIDSON, NC 28036 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $12 | — | $12 | 0.15% |
| THOMAS E KIENZLER3 | 359 WASHINGTON ROAD ENFIELD, CT 06082 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10 | — | $10 | 0.12% |
| JOHN ANTHONY CARREIRO III3 | PO BOX 41495 SAINT PETERSBURG, FL 33743 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9 | $1 | $10 | 0.12% |
| HEIL BUSINESS SOLUTIONS CORPORATION3 | 3909 SHORESIDE CIRCLE TAMPA, FL 33624 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9 | $1 | $10 | 0.12% |
| CAROLE H WARREN3 | 2716 HANOVER CIRCLE BIRMINGHAM, AL 35205 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9 | — | $9 | 0.11% |
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 | 246 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 246 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 268 | $91K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 89 | $13K |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 246 | $124K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 246 | $116K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 246 | $116K |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 246 | $124K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 268 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.