| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 | 55 EAST JACKSON BOULEVARD CHICAGO, IL 60604 | SUN LIFE ASSURANCE COMPANY OF CANADA | $64K | — | $64K | 11.80% |
| STHEALTH BENEFIT SOLUTIONS LLC3 Filed as: STHEALTH BENEFIT SOLUTIONS LLC DBA | 18940 NORTH PIMA ROAD SUITE 210 SCOTTSDALE, AZ 85255 | SUN LIFE ASSURANCE COMPANY OF CANADA | $27K | — | $27K | 5.00% |
| FST ASSOCIATES INC3 | 55 WEST MONROE STREET SUITE 500 CHICAGO, IL 60603 | SUN LIFE ASSURANCE COMPANY OF CANADA | $6K | $17K | $23K | 4.26% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 55 EAST JACKSON BOULEVARD CHICAGO, IL 60604 | SUN LIFE ASSURANCE COMPANY OF CANADA | $5K | — | $5K | 7.43% |
| FST ASSOCIATES INC3 Filed as: FST ASSOCIATES INC DBA LAURUS STRAT | 55 WEST MONROE STREET SUITE 500 CHICAGO, IL 60603 | SUN LIFE ASSURANCE COMPANY OF CANADA | $475 | $3K | $3K | 4.51% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 55 EAST JACKSON BOULEVARD 12TH FLOOR CHICAGO, IL 60604 | HUMANA INSURANCE COMPANY | $2K | $267 | $2K | 9.19% |
| FST ASSOCIATES INC3 Filed as: FST ASSOCIATES INC DBA LAURUS ST | PO BOX 88281 CHICAGO, IL 60680 | HUMANA INSURANCE COMPANY | $465 | — | $465 | 1.79% |
| DIVERSIFIED INSURANCE GROUP3 Filed as: DIVERSIFIED INSURANCE SERVICES | 100 NORTH CORPORATE DRIVE SUITE 100 BROOKFIELD, WI 53045 | HUMANA INSURANCE COMPANY | -$2 | — | -$2 | -0.01% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 55 EAST JACKSON BOULEVARD 12TH FLOOR CHICAGO, IL 60604 | KANAWHA INSURANCE COMPANY | $5K | $415 | $5K | 40.59% |
| PATRICK F GALLA3 | 2918 CLIFFWYNDE TRACE LOUISVILLE, KY 40241 | KANAWHA INSURANCE COMPANY | $865 | — | $865 | 7.07% |
| FST ASSOCIATES INC3 Filed as: FST ASSOCIATES INC DBA LAURUS STRAT | PO BOX 88281 CHICAGO, IL 60680 | KANAWHA INSURANCE COMPANY | -$104 | — | -$104 | -0.85% |
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 | 317 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 3 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 323 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | HUMANA INSURANCE COMPANY | 177 | $26K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 289 | $70K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 289 | $70K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 244 | $542K |
| Other(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 289 | $82K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 289 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.