| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BLACK GOULD AND ASSOCIATES, INC. | 3800 NORTH CENTRAL AVENUE 9TH FLOOR PHOENIX, AZ 85012 | STARMOUNT LIFE INSURANCE COMPANY | $41K | $4K | $45K | 14.97% |
| LOVITT AND TOUCHE, INC.3 | 1050 WEST WASHINGTON STREET SUITE 233 TEMPE, AZ 85281 | STARMOUNT LIFE INSURANCE COMPANY | $4K | $515 | $5K | 1.63% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BLACK GOULD AND ASSOCIATES, INC. | 3800 NORTH CENTRAL AVENUE 9TH FLOOR PHOENIX, AZ 85012 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $28K | $4K | $32K | 10.95% |
| LOVITT AND TOUCHE, INC.3 | 1050 WEST WASHINGTON STREET SUITE 233 TEMPE, AZ 85281 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $480 | $2K | 0.74% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BLACK GOULD AND ASSOCIATES, INC. | 3800 NORTH CENTRAL AVENUE 9TH FLOOR PHOENIX, AZ 85012 | UNUM INSURANCE COMPANY | $19K | $3K | $22K | 23.78% |
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 | 771 | 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) | 771 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 652 | $789K |
| Dental | STARMOUNT LIFE INSURANCE COMPANY | 632 | $303K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 632 | $303K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 770 | $294K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 770 | $294K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 770 | $294K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 652 | $789K |
| Other(3 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 770 | $662K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 770 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.