| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | PO BOX 2158 RIVERSIDE, CA 92516 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $131K | $3K | $134K | 5.33% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | PO BOX 2158 RIVERSIDE, CA 92516 | CIGNA HEALTHCARE OF FLORIDA, INC | $51K | — | $51K | 5.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | PO BOX 2158 RIVERSIDE, CA 92516 | CIGNA HEALTHCARE OF CALIFORNIA, INC | $8K | — | $8K | 5.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INSURANCE SRVCS | 3390 UNIVERSITY AVE., SUITE 300 RIVERSIDE, CA 92501 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | — | $6K | 8.87% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST 672425 | 55 E JACKSON BLVD CHICAGO, IL 60604 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 4.84% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 55 E JACKSON BLVD CHICAGO, IL 60604 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 4.40% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INSURANCE SRVCS | 3390 UNIVERSITY AVE., SUITE 300 RIVERSIDE, CA 92501 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | — | $5K | 9.12% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST 672425 | 55 E JACKSON BLVD CHICAGO, IL 60604 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 5.86% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 55 E JACKSON BLVD CHICAGO, IL 60604 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 3.74% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INSURANCE SRVCS | 3390 UNIVERSITY AVE, SUITE 300 RIVERSIDE, CA 92501 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 8.94% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 55 E JACKSON BLVD CHICAGO, IL 60604 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 4.81% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 55 E JACKSON BLVD CHICAGO, IL 606044466 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $59 | $3K | 11.05% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 16253 COLLECTION CENTER DR 40 W MADISON 4TH FL BANK OF AMERICA CHICAGO, IL 606930162 | METROPOLITAN LIFE INSURANCE COMPANY | — | $618 | $618 | 2.37% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INSURANCE SRVCS | 3390 UNIVERSITY AVE., SUITE 300 RIVERSIDE, CA 92501 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $757 | — | $757 | 8.84% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST 672425 | 55 E JACKSON BLVD CHICAGO, IL 606044466 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $421 | — | $421 | 4.91% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 55 E JACKSON BLVD CHICAGO, IL 60604 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $357 | — | $357 | 4.17% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | PO BOX 2158 RIVERSIDE, CA 92516 | CIGNA DENTAL HEALTH OF FLORIDA, INC | $516 | — | $516 | 10.01% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | PO BOX 2158 RIVERSIDE, CA 92516 | CIGNA DENTAL HEALTH OF CALIFORNIA, INC. | $97 | — | $97 | 9.96% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | PO BOX 2158 RIVERSIDE, CA 92518 | CIGNA DENTAL HEALTH OF NORTH CAROLINA, INC. | $18 | — | $18 | 10.17% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | PO BOX 2158 RIVERSIDE, CA 92516 | CIGNA DENTAL HEALTH OF ILLINOIS, INC | $11 | — | $11 | 10.38% |
| HUB INTERNATIONAL MIDWEST LIMITED0 Filed as: HUB INTERNATIONAL MIDWEST LTD | PO BOX 2158 RIVERSIDE, CA 92516 | CIGNA DENTAL HEALTH OF MISSOURI, INC | $5 | — | $5 | 9.43% |
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 | 160 | 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) | 160 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 165 | $3.7M |
| Dental(6 contracts, 6 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 165 | $2.5M |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 517 | $26K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 347 | $63K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 170 | $50K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 198 | $38K |
| Other(3 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 347 | $2.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 517 | — |
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.