| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WINGATE INSURANCE GROUP, INC.3 | 155 PROFESSIONAL DR PONTE VEDRA BEACH, FL 32082 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $46K | $7K | $53K | 2.38% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS SVCS INC. | 3390 UNIVERSITY AVE. SUITE 300 RIVERSIDE, CA 92501 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $36K | $7K | $43K | 1.95% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS SVCS | PO BOX 2198 RIVERSIDE, CA 92516 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $5K | $5K | 0.25% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS SVCS INC. | 16030 VENTURA BLVD STE 500 ENCINO, CA 91436 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $3K | $4K | 9.08% |
| WINGATE INSURANCE GROUP, INC.3 Filed as: WINGATE INSURANCE GROUP INC. | 155 PROFESSIONAL DR PONTE VEDRA BEACH, CA 32082 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $0 | $3K | 6.22% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS SVCS INC. | 16030 VENTURA BLVD STE 500 ENCINO, CA 91436 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $976 | $3K | $4K | 9.99% |
| WINGATE INSURANCE GROUP, INC.3 Filed as: WINGATE INSURANCE GROUP INC. | 155 PROFESSIONAL DR PONTE VEDRA BEACH, FL 32082 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 5.62% |
| FMLASOURCE INC5 | 455 N CITYFRONT PLZ DR, 13TH FL CHICAGO, IL 60611 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $9K | $9K | 47.68% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS SVCS INC. | 16030 VENTURA BLVD STE 500 ENCINO, CA 91436 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $569 | $2K | $2K | 12.12% |
| WINGATE INSURANCE GROUP, INC.3 Filed as: WINGATE INSURANCE GROUP INC | 155 PROFESSIONAL DR PONTE VEDRA BEACH, FL 32082 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $0 | $1K | 5.94% |
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 | 308 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 309 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 344 | $2.2M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 344 | $2.2M |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 344 | $2.2M |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 220 | $20K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 195 | $42K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 211 | $39K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 344 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.