| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NEW ENGLAND LLC | 1667 ELM STREET, SUITE 3 MANCHESTER, NH 03101 | RELIASTAR LIFE INSURANCE COMPANY | $25K | $0 | $25K | 11.72% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS SERVICES INC | 6701 CENTER DRIVE WEST SUITE 1500 LOS ANGELES, CA 90045 | RELIASTAR LIFE INSURANCE COMPANY | $7K | $0 | $7K | 3.49% |
| ALIGHT SOLUTIONS3 Filed as: ALIGHT HOLDING COMPANY LLC | 4 OVERLOOK PT LINCOLNSHIRE, IL 60069 | RELIASTAR LIFE INSURANCE COMPANY | $0 | $7K | $7K | 3.43% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCKENNAN AGENCY LLC | 101 HUNTINGTON AVENUE, SUITE 401 BOSTON, MA 02199 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $14K | $0 | $14K | 6.46% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NEW ENGLAND LLC | 1667 ELM STREET, SUITE 3 MANCHESTER, NH 03101 | VISION SERVICE PLAN | $2K | $0 | $2K | 9.00% |
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 | 1,087 | 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) | 1,087 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 501 | $24K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,263 | $213K |
| Short-term disability | RELIASTAR LIFE INSURANCE COMPANY | 497 | $214K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,263 | $213K |
| Other(3 contracts, 3 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 1,720 | $440K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,720 | — |
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.