| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 | 55 EAST JACKSON BOULEVARD CHICAGO, IL 60604 | PARAMOUNT DENTAL | $124K | $0 | $124K | 4.15% |
| THE HEALY GROUP INC.3 Filed as: THE HEALY GROUP INC | 17535 GENERATIONS DRIVE SOUTH BEND, IN 46635 | PARAMOUNT DENTAL | $25K | $0 | $25K | 0.85% |
| BENEFIT EDUCATORS LLC3 Filed as: BENEFIT EDUCATORS, LLC | 2516 WAUKEGAN ROAD, SUITE 357 GLENVIEW, IL 60025 | RELIASTAR LIFE INSURANCE COMPANY | $617K | $6K | $622K | 21.44% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | PO BOX 2158 RIVERSIDE, CA 92516 | RELIASTAR LIFE INSURANCE COMPANY | $157K | $69K | $226K | 7.77% |
| THE HEALY GROUP INC.3 Filed as: THE HEALY GROUP INC | 17535 GENERATIONS DRIVE SOUTH BEND, IN 46635 | RELIASTAR LIFE INSURANCE COMPANY | $175K | $47K | $222K | 7.66% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 55 EAST JACKSON BOULEVARD SUITE 14A CHICAGO, IL 60604 | RELIASTAR LIFE INSURANCE COMPANY | $87K | $0 | $87K | 2.98% |
| THE HEALY GROUP INC.3 Filed as: THE HEALY GROUP INC | 17535 GENERATIONS DRIVE SOUTH BEND, IN 46635 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $261K | $0 | $261K | 10.45% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 17535 GENERATIONS DRIVE SOUTH BEND, IN 46635 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $145K | $11K | $155K | 6.22% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 17535 GENERATIONS DRIVE SOUTH BEND, IN 46530 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $105K | $8K | $113K | 4.53% |
| BENEFIT EDUCATORS LLC3 Filed as: BENEFIT EDUCATORS, LLC | 2516 WAUKEGAN ROAD, SUITE 357 GLENVIEW, IL 60025 | MADISON NATIONAL LIFE | $517K | $0 | $517K | 23.90% |
| GWH CONSULTING, LLC3 Filed as: GWH CONSULTING LLC | 5012 BLACKJACK DRIVE FRANKLIN, TN 37067 | MADISON NATIONAL LIFE | $219K | $0 | $219K | 10.13% |
| THE HEALY GROUP INC.3 Filed as: THE HEALY GROUP INC | 17535 GENERATIONS DRIVE SOUTH BEND, IN 46635 | MADISON NATIONAL LIFE | $153K | $0 | $153K | 7.05% |
| BAFFIN BAY MARKETING GROUP, LLC3 Filed as: BAFFIN BAY MARKETING GROUP LLC | PO BOX 161690 AUSTIN, TX 78716 | MADISON NATIONAL LIFE | $88K | $0 | $88K | 4.06% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 55 EAST JACKSON BOULEVARD CHICAGO, IL 60604 | MADISON NATIONAL LIFE | $73K | $0 | $73K | 3.39% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | PO BOX 2158 RIVERSIDE, CA 92516 | VISION SERVICE PLAN | $36K | $0 | $36K | 6.56% |
| ANTHONY NYERS3 | 53800 GENERATIONS DRIVE SOUTH BEND, IN 46635 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $855 | $0 | $855 | 8.23% |
| SIGNATOR INSURANCE AGENCY INC3 | 197 CLARENDON STREET SUITE C 8-8 BOSTON, MA 21161 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $199 | $0 | $199 | 1.91% |
| LYLE L. FISEL3 | 215 SOUTH 2ND STREET ELKHART, IN 46516 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $51 | $0 | $51 | 0.49% |
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 | 10,064 | 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) | 10,064 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | PARAMOUNT DENTAL | 15,242 | $3.0M |
| Vision | VISION SERVICE PLAN | 5,740 | $550K |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 11,811 | $4.7M |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 11,811 | $2.5M |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 11,811 | $2.5M |
| Other(3 contracts, 3 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 14,292 | $5.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 15,242 | — |
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.