| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 | PO BOX 6650 METAIRIE, LA 70009 | CONTINENTAL AMERICAN INSURANCE COMPANY | $8K | — | $8K | 18.47% |
| MICHAEL S MASKILL3 | 818 DARRAH STREET FAIRHOPE, AL 36652 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5K | — | $5K | 10.34% |
| KAREN LEWIS3 | 1919 NORTH MULLBERRY AVENUE BUTLER, AL 36904 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5K | — | $5K | 10.22% |
| SARAH STEINER3 | 7135 HALEYS WAY THEODORE, AL 36582 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | — | $3K | 7.75% |
| RONALD EUGENE WALLACE3 Filed as: RONALD E WALLACE | PO BOX 1355 BAY MINETTE, AL 36507 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 3.46% |
| VICTORIA MCVAY3 | 711 NATCHEZ TRAIL COURT MOBILE, AL 36609 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 3.04% |
| JOSEPH E PUPEK JR3 Filed as: JOSEPH E PUPEK, JR. | 16024 MANCHESTER ROAD SUITE 247 ELLISVILLE, MO 63011 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 3.01% |
| DANIEL L EALY3 | 4955 KERRINGTON BOULEVARD BARGERSVILLE, IN 46106 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 2.55% |
| MICHAEL C WALKER3 Filed as: MICHAEL SHANE KIRKLAND | 137 PLANTATION DRIVE KILLEN, AL 35645 | CONTINENTAL AMERICAN INSURANCE COMPANY | $173 | — | $173 | 0.38% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 3510 NORTH CAUSEWAY BOULEVARD SUITE 300 METAIRIE, LA 70002 | STANDARD INSURANCE COMPANY | $5K | — | $5K | 15.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHEAST LIMITED | 180 RIVER ROAD SECOND FLOOR SUMMIT, NJ 07901 | STANDARD INSURANCE COMPANY | $673 | — | $673 | 2.08% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 3510 NORTH CAUSEWAY BOULEVARD SUITE 300 METAIRIE, LA 70002 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 15.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHEAST LIMITED | 180 RIVER ROAD SECOND FLOOR SUMMIT, NJ 07901 | STANDARD INSURANCE COMPANY | $436 | — | $436 | 2.09% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 3510 NORTH CAUSEWAY BOULEVARD SUITE 300 METAIRIE, LA 70002 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHEAST LIMITED | 180 RIVER ROAD SECOND FLOOR SUMMIT, NJ 07901 | STANDARD INSURANCE COMPANY | $349 | — | $349 | 2.10% |
| ABLE BENEFIT SOLUTIONS3 | PO BOX 11407 BIRMINGHAM, AL 35246 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $980 | — | $980 | 6.82% |
| ROBERT D VOUGHT3 | 4750 AIRPORT BOULEVARD MOBILE, AL 36608 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $436 | — | $436 | 3.04% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 1141 MONTLIMAR DRIVE SUITE 2500 MOBILE, AL 36609 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $361 | — | $361 | 2.51% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | PO BOX 6650 METAIRIE, LA 70009 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $159 | — | $159 | 1.11% |
| BRADFORD DILLION3 Filed as: BRADFORD S DILLION | 2 RIVERCHASE RIDGE #200 BIRMINGHAM, AL 35244 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $109 | — | $109 | 0.76% |
| JOSEPH P CALARCO3 Filed as: JOSEPH C WALDEN | 33485 ALDER CIRCLE SPANISH FORT, AL 36527 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $109 | — | $109 | 0.76% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 3510 NORTH CAUSEWAY BOULEVARD SUITE 300 METAIRIE, LA 70002 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 20.93% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHEAST LIMITED | 180 RIVER ROAD SECOND FLOOR SUMMIT, NJ 07901 | STANDARD INSURANCE COMPANY | $254 | — | $254 | 1.82% |
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 | 239 | 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) | 239 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 177 | $1.5M |
| Vision | STANDARD INSURANCE COMPANY | 114 | $14K |
| Life insurance(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 239 | $31K |
| Short-term disability | STANDARD INSURANCE COMPANY | 239 | $21K |
| Long-term disability | STANDARD INSURANCE COMPANY | 239 | $32K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 177 | $1.5M |
| Other(3 contracts, 3 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 239 | $76K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 239 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.