| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL SOUTHWEST | 75 WEST TOWNE RIDGE PARKWAY TOWER 2, SUITE 400 SANDY, UT 84070 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | $0 | $9K | 13.06% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 181 EAST 5600 S SUITE 240 SALT LAKE CITY, UT 84107 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $0 | $1K | 1.94% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SERVICES | 6565 AMERICAS PARKWAY NE SUITE 720 ALBUQUERQUE, MN 87110 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $469 | $469 | 0.65% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL SOUTHWEST | 75 W TOWNE RIDGE PKWY TWR 2 STE 400 SANDY, UT 84070 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $10K | $0 | $10K | 15.74% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 181 EAST 5600 S SUITE 240 SALT LAKE CITY, UT 84107 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 3.05% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCS., INC. | PO BOX 844663 DALLAS, TX 75284 | VISION SERVICE PLAN | $118 | -$2K | -$2K | -4.78% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCS., INC. | 75 WEST TOWNE RIDGE PARKWAY SANDY, UT 84070 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $7K | $0 | $7K | 27.33% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCS., INC. | PO BOX 2158 RIVERSIDE, CA 92516 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $370 | $108 | $478 | 2.00% |
| MORETON & COMPANY3 Filed as: MORETON AND COMPANY | 101 SOUTH 200 EAST, SUITE 300 SALT LAKE CITY, UT 84111 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $161 | — | $161 | 0.68% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCS., INC. | PO BOX 2158 RIVERSIDE, CA 92516 | HEALTHIEST YOU | $2K | $0 | $2K | 15.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCS., INC. | PO BOX 2158 RIVERSIDE, CA 92516 | DELTA DENTAL OF WYOMING | $0 | $0 | $0 | 0.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL SOUTHWEST | 75 W TOWNE RIDGE PKWY TWR 2 STE 400 SANDY, UT 84070 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $41 | $1K | 16.16% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HUB INTERNATIONAL INSURANCE ADMINISTRATOR | Contract Administrator; Other commissions Service code 13 | 75 W TOWNE RIDGE TOWER 2 STE 400 SANDY, UT 84070 | $29K |
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 | 130 | 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) | 130 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTHIEST YOU | 200 | $17K |
| Dental | DELTA DENTAL OF WYOMING | 189 | $10K |
| Vision | VISION SERVICE PLAN | 172 | $35K |
| Life insurance(3 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 130 | $139K |
| Short-term disability(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 87 | $102K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 87 | $72K |
| Other(4 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 200 | $108K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 200 | — |
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.