| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MTN ST LTD | 400 E 1ST ST, #214 CASPER, WY 82601 | STANDARD INSURANCE COMPANY | $4K | — | $4K | 10.23% |
| MITCHELL INSURANCE INC3 Filed as: MITCHELL INSURANCE INC. | 901 N MAIN SIKESTON, MO 63801 | STANDARD INSURANCE COMPANY | $346 | — | $346 | 0.79% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MTN ST LTD | 400 E. 1ST ST, #214 CASPER, WY 82601 | STANDARD INSURANCE COMAPNY | $5K | — | $5K | 14.37% |
| MITCHELL INSURANCE INC3 Filed as: MITCHELL INSURANCE INC. | 901 N MAIN SIKESTON, MO 63801 | STANDARD INSURANCE COMAPNY | $324 | — | $324 | 1.03% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 400 E. 1ST ST. CASPER, WY 82601 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $281 | — | $281 | 0.93% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MTN ST LTD | 400 E. 1ST ST, #214 CASPER, WY 82601 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 9.68% |
| MITCHELL INSURANCE INC3 Filed as: MITCHELL INSURNACE INC | 901 N MAIN SIKESTON, MO 63801 | STANDARD INSURANCE COMPANY | $250 | — | $250 | 0.82% |
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 | 208 | 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) | 208 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 399 | $30K |
| Life insurance | STANDARD INSURANCE COMPANY | 208 | $44K |
| Short-term disability | STANDARD INSURANCE COMPANY | 208 | $30K |
| Long-term disability | STANDARD INSURANCE COMAPNY | 208 | $32K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 399 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.