| 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 | $86K | — | $86K | 12.83% |
| 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 | $33K | — | $33K | 4.94% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 3390 UNIVERSITY AVENUE #300 RIVERSIDE, CA 92501 | SUN LIFE ASSURANCE COMPANY OF CANADA | $16K | — | $16K | 2.34% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 55 EAST JACKSON BOULEVARD CHICAGO, IL 60604 | SUN LIFE ASSURANCE COMPANY OF CANADA | $5K | $290 | $6K | 8.89% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 3390 UNIVERSITY AVENUE #300 RIVERSIDE, CA 92501 | SUN LIFE ASSURANCE COMPANY OF CANADA | $2K | $157 | $2K | 3.56% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 55 EAST JACKSON BOULEVARD 12TH FLOOR CHICAGO, IL 60604 | KANAWHA INSURANCE COMPANY | $5K | — | $5K | 15.47% |
| PATRICK F GALLA3 | 2918 CLIFFWYNDE TRACE LOUISVILLE, KY 40241 | KANAWHA INSURANCE COMPANY | $34 | — | $34 | 0.11% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 55 EAST JACKSON BOULEVARD 12TH FLOOR CHICAGO, IL 60604 | UNITEDHEALTHCARE INSURANCE COMPANY | $2K | — | $2K | 6.63% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 375 BISHOPS WAY SUITE 224 BROOKFIELD, WI 53005 | UNITEDHEALTHCARE INSURANCE COMPANY | $633 | — | $633 | 2.51% |
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 | 307 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 4 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 316 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 0 | $25K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 311 | $64K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 311 | $64K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 256 | $668K |
| Other(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 311 | $94K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 311 | — |
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.