| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFIT EDUCATORS LLC3 Filed as: BENEFIT EDUCATORS, LLC | 2516 WAUKEGAN ROAD, SUITE 357 GLENVIEW, IL 60025 | RELIASTAR LIFE INSURANCE COMPANY | $622K | $0 | $622K | 18.76% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | PO BOX 2158 RIVERSIDE, CA 92516 | RELIASTAR LIFE INSURANCE COMPANY | $335K | $133K | $467K | 14.10% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 55 EAST JACKSON BOULEVARD SUITE 14A CHICAGO, IL 60604 | RELIASTAR LIFE INSURANCE COMPANY | $88K | $0 | $88K | 2.66% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 55 EAST JACKSON BOULEVARD CHICAGO, IL 60604 | PARAMOUNT DENTAL | $156K | $0 | $156K | 5.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST | 17535 GENERATIONS DRIVE SOUTH BEND, IN 46635 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $244K | $43K | $287K | 10.82% |
| THE HEALY GROUP INC.3 Filed as: THE HEALY GROUP | 17535 GENERATIONS DRIVE SOUTH BEND, IN 46635 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $255K | $0 | $255K | 9.60% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | PO BOX 2158 RIVERSIDE, CA 92516 | VISION SERVICE PLAN | $42K | $0 | $42K | 7.45% |
| BENEFIT EDUCATORS LLC3 Filed as: BENEFIT EDUCATORS, LLC | 2516 WAUKEGAN ROAD, SUITE 357 GLENVIEW, IL 60025 | MADISON NATIONAL LIFE | $69K | $0 | $69K | 12.91% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 55 EAST JACKSON BOULEVARD CHICAGO, IL 60604 | MADISON NATIONAL LIFE | $31K | $0 | $31K | 5.81% |
| GWH CONSULTING, LLC3 Filed as: GWH CONSULTING LLC | 5012 BLACKJACK DRIVE FRANKLIN, TN 37067 | MADISON NATIONAL LIFE | $31K | $0 | $31K | 5.80% |
| BAFFIN BAY MARKETING GROUP, LLC3 Filed as: BAFFIN BAY MARKETING GROUP LLC | PO BOX 161690 AUSTIN, TX 78716 | MADISON NATIONAL LIFE | $20K | $0 | $20K | 3.63% |
| SIGNATOR INSURANCE AGENCY INC3 | 197 CLARENDON STREET, SUITE C 8-8 BOSTON, MA 02116 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $174 | $0 | $174 | 1.73% |
| NYERS, ANTHONY3 | 17535 GENERATIONS DRIVE SOUTH BEND, IN 46635 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $133 | $0 | $133 | 1.32% |
| FISEL, LYLE, L3 | 215 SOUTH 2ND STREET ELKHART, IN 46516 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $37 | $0 | $37 | 0.37% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES, INC | 2345 GRAND BOULEVARD, SUITE 900 KANSAS CITY, MO 64108 | TRANSAMERICA LIFE INSURANCE COMPANY | $24 | $0 | $24 | 24.49% |
| KRISTIN J QUINLAN3 Filed as: KRISTIN M. JONES | 203 EAST QUEENS DRIVE SLIDELL, LA 70458 | TRANSAMERICA LIFE INSURANCE COMPANY | $19 | $0 | $19 | 19.39% |
| ERNEST J. GIUSTI III3 | 4828 FOLSE DRIVE METAIRE, LA 70006 | TRANSAMERICA LIFE INSURANCE COMPANY | $12 | $0 | $12 | 12.24% |
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 | 13,000 | 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) | 13,000 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | PARAMOUNT DENTAL | 15,268 | $3.1M |
| Vision | VISION SERVICE PLAN | 5,938 | $565K |
| Life insurance(3 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 12,141 | $3.2M |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 12,141 | $2.7M |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 12,141 | $2.7M |
| Other(3 contracts, 3 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 14,702 | $6.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 15,268 | — |
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.