| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL TEXAS INC | 1800 W LOOP 281 STE 302 LONGVIEW, TX 75604 | PRINCIPAL LIFE INSURANCE COMPANY | $13K | — | $13K | 9.69% |
| RANDALL SCOTT WARD3 | 1800 W LOOP 281 STE 302 LONGVIEW, TX 75604 | PRINCIPAL LIFE INSURANCE COMPANY | $8K | $1K | $9K | 7.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL TEXAS INC | 1800 W LOOP 281 STE 302 LONGVIEW, TX 75604 | PRINCIPAL LIFE INSURANCE COMPANY | $11K | — | $11K | 8.81% |
| RANDALL SCOTT WARD3 | 1800 W LOOP 281 SUITE 302 LONGVIEW, TX 75604 | PRINCIPAL LIFE INSURANCE COMPANY | $8K | $1K | $9K | 7.15% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL LIMITED | 300 N LA SALLE DR FL 17 CHICAGO, IL 606543406 | PRINCIPAL LIFE INSURANCE COMPANY | — | $7K | $7K | 5.83% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CVS PHARMACY, INC EIN 05-0340626 CLAIMS PROCESSING | Claims processing Service code 12 | — | $670K |
| BOON-CHAPMAN EIN 75-1501015 MEDICAL ADMIN CHARGES | Contract Administrator Service code 13 | PO BOX 9201 AUSTIN, TX 78766 | $33K |
| AETNA SIGNATURE EIN 06-6033492 NETWORK ACCESS | Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $17K |
| RANDALL SCOTT WARD BROKER | Other commissions Service code 55 | 1800 NW LOOP 281 302 LONGVIEW, TX 75604 | $15K |
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 | 77 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Beneficiaries receiving benefits | 1 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 84 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts) | PRINCIPAL LIFE INSURANCE COMPANY | 133 | $254K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 133 | $133K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 133 | $133K |
| Stop-loss / reinsurancereinsurance | WESTPORT INS CO | 0 | $594K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 133 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.