| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL TEXAS INC. | 421 W 3RD ST STE 800 FORT WORTH, TX 76102 | PAN-AMERICAN LIFE INSURANCE COMPANY | $44K | — | $44K | 12.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL TEXAS, INC. | P.O. BOX 1770 EL PASO, TX 79949 | STARMOUNT LIFE INSURANCE COMPANY | $10K | — | $10K | 10.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL TEXAS INC. | 10000 N CENTRAL EXPY STE 1100 DALLAS, TX 75231 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $15K | $5K | $20K | 25.89% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL TEXAS INC. | 10000 N CENTRAL EXPY STE 1100 DALLAS, TX 75231 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $10K | $3K | $13K | 26.41% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL TEXAS, INC. | P.O. BOX 1770 EL PASO, TX 79949 | STARMOUNT LIFE INSURANCE COMPANY | $4K | — | $4K | 12.00% |
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 | 393 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 394 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | PAN-AMERICAN LIFE INSURANCE COMPANY | 218 | $367K |
| Dental | STARMOUNT LIFE INSURANCE COMPANY | 250 | $101K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 275 | $31K |
| Life insurance(2 contracts, 2 carriers) | PAN-AMERICAN LIFE INSURANCE COMPANY | 218 | $417K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 143 | $77K |
| Other(2 contracts, 2 carriers) | PAN-AMERICAN LIFE INSURANCE COMPANY | 218 | $417K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 275 | — |
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.