| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 6100 S. YALE AVENUE, SUITE 1900 TULSA, OK 741361947 | METROPOLITAN LIFE INSURANCE COMPANY | $37K | $21 | $37K | 13.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 16253 COLLECTION CENTER DR. 40 W. MADISON, 4TH FLOOR CHICAGO, IL 606930162 | METROPOLITAN LIFE INSURANCE COMPANY | — | $4K | $4K | 1.50% |
| PLANSOURCE BENEFITS ADMINISTRATION3 | 101 S. GARLAND AVE., SUITE 203 ORLANDO, FL 328013277 | METROPOLITAN LIFE INSURANCE COMPANY | — | -$7K | -$7K | -2.45% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: GBS A DIVISION OF HUB INTERNATIONAL | 6100 SOUTH YALE AVE., SUITE 900 TULSA, OK 74136 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $488 | $4K | 10.05% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 8110 E. 32ND ST. N., SUITE 100 WICHITA, KS 67226 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 8.66% |
| PLANSOURCE BENEFIT ADMINISTRATION3 | P.O. BOX 1313 ORLANDO, FL 32802 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $525 | — | $525 | 1.49% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: GBS HUB INTERNATIONAL | 6100 S. YALE AVE., SUITE 1900 TULSA, OK 741361947 | SURENCY LIFE AND HEALTH | $2K | — | $2K | 11.58% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF KANSAS EIN 48-0952857 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $147K |
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 | 230 | 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) | 230 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 516 | $284K |
| Vision | SURENCY LIFE AND HEALTH | 149 | $21K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 516 | $284K |
| Short-term disability(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 516 | $319K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 516 | $284K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 516 | $319K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 516 | — |
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."
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.