| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: WALSH DUFFIELD COMPANIES, INC. | 801 MAIN STREET BUFFALO, NY 14203 | UNIVERA HEALTHCARE | $54K | $0 | $54K | 4.07% |
| PLANCORP VANTAGE BENEFIT ADVISORS3 Filed as: PLANCORP VANTAGE BENEFIT ADVISORS L | 6200 ROCKSIDE ROAD CLEVELAND, OH 44131 | MEDICAL MUTUAL OF OHIO | $14K | $6K | $21K | 5.62% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: WALSH DUFFIELD COMPANIES | 801 MAIN STREET BUFFALO, NY 14203 | THE GUARDIAN | $7K | $5K | $12K | 7.87% |
| EMERSON REID LLC3 | 261 MADISON AVENUE SUITE 602 NEW YORK, NY 10016 | COMPANION LIFE INSURANCE COMPANY | $5K | $9K | $13K | 16.79% |
| EMERSON REID LLC3 | 261 MADISON AVENUE SUITE 602 NEW YORK, NY 10016 | MUTUAL OF OMAHA INSURANCE COMPANY | $604 | $653 | $1K | 20.81% |
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 | 381 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 381 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNIVERA HEALTHCARE | 153 | $1.7M |
| Dental | THE GUARDIAN | 243 | $156K |
| Life insurance | COMPANION LIFE INSURANCE COMPANY | 381 | $79K |
| Short-term disability | THE GUARDIAN | 243 | $156K |
| Prescription drug(2 contracts, 2 carriers) | UNIVERA HEALTHCARE | 153 | $1.7M |
| Other | MUTUAL OF OMAHA INSURANCE COMPANY | 377 | $6K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 381 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.