| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCES., INC. | PO BOX 939 BURLINGTON, NC 27216 | COVENTRY HEALTH CARE OF THE CAROLINAS | $48K | $15K | $63K | 6.56% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCES., INC. | PO BOX 33789 CHARLOTTE, NC 28233 | BLUE CROSS BLUE SHIELD OF NORTH CAROLINA | $26K | — | $26K | 8.82% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCES., INC. | 1001 MOREHEAD SQUARE DRIVE SUITE 400 CHARLOTTE, NC 28203 | SUN LIFE ASSURANCE COMPANY OF CANADA | $1K | — | $1K | 6.52% |
| KRAUTER AND COMPANY, LLC3 | 1350 AVENUE OF THE AMERICAS 18TH FLOOR NEW YORK, NY 10019 | SUN LIFE ASSURANCE COMPANY OF CANADA | $406 | — | $406 | 2.54% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCES., INC. | PO BOX 33789 CHARLOTTE, NC 28233 | USABLE LIFE | $2K | — | $2K | 56.87% |
| KRAUTER AND COMPANY, LLC3 | 1350 AVENUE OF THE AMERICAS 18TH FLOOR NEW YORK, NY 10019 | USABLE LIFE | $654 | — | $654 | 18.52% |
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 | 284 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 284 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | COVENTRY HEALTH CARE OF THE CAROLINAS | 303 | $1.3M |
| Dental | BLUE CROSS BLUE SHIELD OF NORTH CAROLINA | 165 | $293K |
| Life insurance(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF NORTH CAROLINA | 165 | $296K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 98 | $16K |
| Prescription drug(2 contracts, 2 carriers) | COVENTRY HEALTH CARE OF THE CAROLINAS | 303 | $1.3M |
| Other(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF NORTH CAROLINA | 165 | $296K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 303 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.