| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST | — | BLUE CROSS BLUE SHIELD OF MONTANA | $40K | — | $40K | 4.35% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MOUNTAIN STATES | — | BLUE CROSS BLUE SHIELD OF MONTANA | $5K | — | $5K | 0.55% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: CRAIG URQUHART HUB INTERNATIONAL | 4830 W. KENNEDY BLVD SUITE 850 TAMPA, FL 33609 | DELTA DENTAL | $6K | — | $6K | 10.00% |
| PEAK1 ADMINISTRATION3 | 608 NORTHWEST BLVD SUITE 200 COEUR DALENE, ID 83814 | DELTA DENTAL | $1K | — | $1K | 2.00% |
| MJ INSURANCE3 Filed as: VARIOUS AGENTS SEE ATTACHMENT | — | AFLAC | $7K | $51 | $7K | 18.97% |
| PEAK1 ADMINISTRATION3 | 608 NORTHWEST BLVD SUITE 200 COEUR DALENE, ID 83814 | VISION SERVICE PLAN | $2K | — | $2K | 13.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: CRAIG URQUHART-HUB INTERNATIONAL | 4830 W KENNEDY BLVD SUITE 850 TAMPA, FL 33609 | VISION SERVICE PLAN | $1K | — | $1K | 10.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 1560 ORANGE AVE SUITE 750 WINTER PARK, FL 327895552 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $258 | $19 | $277 | 10.73% |
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 | 114 | 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) | 114 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MONTANA | 168 | $911K |
| Dental | DELTA DENTAL | 69 | $62K |
| Vision | VISION SERVICE PLAN | 64 | $12K |
| Life insurance(2 contracts, 2 carriers) | AFLAC | 114 | $41K |
| Short-term disability | AFLAC | 33 | $38K |
| Other | AFLAC | 33 | $38K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 168 | — |
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."
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.