| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 55 EAST JACKSON BOULEVARD CHICAGO, IL 60604 | SUN LIFE ASSURANCE COMPANY OF CANADA | $111K | $47K | $158K | 18.19% |
| 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 | $43K | — | $43K | 4.93% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 55 EAST JACKSON BOULEVARD CHICAGO, IL 60604 | SUN LIFE ASSURANCE COMPANY OF CANADA | $5K | — | $5K | 8.31% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 55 EAST JACKSON BOULEVARD 12TH FLOOR CHICAGO, IL 60604 | MANHATTAN LIFE | $4K | — | $4K | 11.67% |
| BRUCE J STAHL3 | N67W29393 RICHTER ROAD HARTLAND, WI 53029 | MANHATTAN LIFE | $2K | — | $2K | 6.15% |
| PATRICK F GALLA3 | 2918 CLIFFWYNDE TRACE LOUISVILLE, KY 40241 | MANHATTAN LIFE | $26 | — | $26 | 0.08% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 55 EAST JACKSON BOULEVARD CHICAGO, IL 60604 | UNITEDHEALTHCARE INSURANCE COMPANY | $5K | — | $5K | 18.97% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 15162 COLLECTIONS CENTER DRIVE CHICAGO, IL 60693 | CARE-PLUS DENTAL PLANS, INC. | $1K | — | $1K | 6.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 55 E. JACKSON BLVD 12TH FLOOR CHICAGO, IL 60604 | KANAWHA INSURANCE COMPANY | $2K | — | $2K | 11.38% |
| BRUCE J STAHL3 | N67W29393 RICHTER ROAD HARTLAND, WI 53029 | KANAWHA INSURANCE COMPANY | $1K | — | $1K | 6.52% |
| PATRICK F GALLA3 | 2918 CLIFFWYNDE TRACE LOUISVILLE, KY 40241 | KANAWHA INSURANCE COMPANY | $15 | — | $15 | 0.09% |
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 | 298 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 300 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CARE-PLUS DENTAL PLANS, INC. | 51 | $17K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 0 | $24K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 253 | $65K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 253 | $65K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 241 | $867K |
| Other(4 contracts, 4 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 320 | $119K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 320 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.