| 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 | $419K | $0 | $419K | 13.46% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | PO BOX 2158 RIVERSIDE, CA 92516 | RELIASTAR LIFE INSURANCE COMPANY | $226K | $125K | $350K | 11.25% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS SERVICES, INC | 6701 CENTER DRIVE WEST, SUITE 1500 LOS ANGELES, CA 90045 | RELIASTAR LIFE INSURANCE COMPANY | $0 | $80K | $80K | 2.56% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 55 EAST JACKSON BOULEVARD CHICAGO, IL 60604 | PARAMOUNT DENTAL | $120K | $0 | $120K | 4.20% |
| GIBSON INSURANCE AGENCY, INC.3 | 202 SOUTH MICHIGAN STREET SUITE 1400 SOUTH BEND, IN 46601 | PARAMOUNT DENTAL | $23K | $0 | $23K | 0.80% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST | 17535 GENERATIONS DRIVE SOUTH BEND, IN 46530 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $235K | $51K | $286K | 11.21% |
| THE HEALY GROUP INC.3 Filed as: THE HEALY GROUP | 17535 GENERATIONS DRIVE SOUTH BEND, IN 46635 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $244K | $0 | $244K | 9.55% |
| GIBSON INSURANCE AGENCY, INC.3 | 202 SOUTH MICHIGAN STREET SUITE 1400 SOUTH BEND, IN 46601 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $86K | $9K | $95K | 3.71% |
| BENEFIT EDUCATORS LLC3 Filed as: BENEFIT EDUCATORS, LLC | 1954 SUNSET RIDGE ROAD GLENVIEW, IL 60025 | TRANSAMERICA LIFE INSURANCE COMPANY | $296K | $0 | $296K | 19.47% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 17535 GENERATIONS DRIVE SOUTH BEND, IN 46530 | TRANSAMERICA LIFE INSURANCE COMPANY | $159K | $0 | $159K | 10.49% |
| TRAVIS THOMPSON3 | 1211 EAST KENNEDY BOULEVARD UNIT 210 TAMPA, FL 33602 | TRANSAMERICA LIFE INSURANCE COMPANY | $56 | $0 | $56 | 0.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2345 GRAND BOULEVARD, SUITE 900 KANSAS CITY, MO 64108 | TRANSAMERICA LIFE INSURANCE COMPANY | $14 | $0 | $14 | 0.00% |
| KRISTEN M. JONES3 | 203 EAST QUEENS DRIVE SLIDELL, LA 70458 | TRANSAMERICA LIFE INSURANCE COMPANY | $11 | $0 | $11 | 0.00% |
| ERNEST J. GIUSTI III3 | 4828 FOLSE DRIVE METAIRE, LA 70006 | TRANSAMERICA LIFE INSURANCE COMPANY | $7 | $0 | $7 | 0.00% |
| GIBSON INSURANCE AGENCY, INC.3 | PO BOX 11107 FORT WAYNE, IN 46855 | VISION SERVICE PLAN | $3K | $0 | $3K | 0.52% |
| ANTHONY NYERS3 | 53800 GENERATIONS DRIVE SOUTH BEND, IN 46635 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $121 | $0 | $121 | 1.84% |
| SIGNATOR INSURANCE AGENCY INC3 Filed as: SIGNATOR INSURANCE AGENCY, INC. | 197 CLARENDON STREET, SUITE C 8-8 BOSTON, MA 02116 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $110 | $0 | $110 | 1.67% |
| LYLE L. FISEL3 | 215 SOUTH 2ND STREET ELKHART, IN 46516 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $20 | $0 | $20 | 0.30% |
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 | 11,079 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 18 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 11,097 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | PARAMOUNT DENTAL | 13,810 | $2.9M |
| Vision | VISION SERVICE PLAN | 5,161 | $529K |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 11,079 | $4.1M |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 11,079 | $2.6M |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 11,079 | $2.6M |
| Other(3 contracts, 3 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 14,463 | $5.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 14,463 | — |
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.