| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 | PO BOX 6650 METAIRIE, LA 70009 | HARTFORD LIFE AND ACCIDENT | $16K | $0 | $16K | 9.07% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS, INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | HARTFORD LIFE AND ACCIDENT | $9K | $0 | $9K | 5.00% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE DALLAS, TX 75201 | HARTFORD LIFE AND ACCIDENT | $2K | $7K | $9K | 4.88% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 1591 GALBRAITH AVENUE, SOUTHEAST GRAND RAPIDS, MI 49546 | HARTFORD LIFE AND ACCIDENT | $0 | $4K | $4K | 1.96% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL GULF SOUTH, LLC | 3510 NORTH CAUSEWAY BOULEVARD SUITE 300 METAIRIE, LA 70002 | STARMOUNT LIFE INSURANCE COMPANY | $10K | $4K | $14K | 15.17% |
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DALLAS, TX 75312 | STARMOUNT LIFE INSURANCE COMPANY | $993 | $170 | $1K | 1.25% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS, INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | CONTINENTAL AMERICAN INSURANCE COMPANY | $10K | $0 | $10K | 14.23% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP AGY, LLC | 8550 UNITED PLAZA BOULEVARD SUITE 210 BATON ROUGE, LA 70818 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | $0 | $4K | 6.02% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 55 EAST JACKSON BOULEVARD 14TH FLOOR CHICAGO, IL 60604 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | $0 | $3K | 4.69% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE SUITE 1200 DALLAS, TX 75201 | CONTINENTAL AMERICAN INSURANCE COMPANY | $579 | $0 | $579 | 0.81% |
| LOCKTON COMPANIES, LLC3 | 751 ARBOR WAY SUITE 250 BLUE BELL, PA 19422 | CONTINENTAL AMERICAN INSURANCE COMPANY | $543 | $0 | $543 | 0.76% |
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 | 159 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 7 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 167 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | STARMOUNT LIFE INSURANCE COMPANY | 124 | $93K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 124 | $93K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 152 | $180K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 152 | $180K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 152 | $180K |
| Other(3 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 159 | $253K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 159 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.