| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 | PO BOX 6650 METAIRIE, LA 70009 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 6.21% |
| MICHAEL S MASKILL3 | 818 DARRAH STREET FAIRHOPE, AL 36652 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 3.67% |
| KAREN LEWIS3 | 1919 NORTH MULLBERRY AVENUE BUTLER, AL 36904 | CONTINENTAL AMERICAN INSURANCE COMPANY | $667 | — | $667 | 2.41% |
| SARAH STEINER3 | 7135 HALEYS WAY THEODORE, AL 36582 | CONTINENTAL AMERICAN INSURANCE COMPANY | $630 | — | $630 | 2.28% |
| VICTORIA MCVAY3 | 711 NATCHEZ TRAIL COURT MOBILE, AL 36609 | CONTINENTAL AMERICAN INSURANCE COMPANY | $387 | — | $387 | 1.40% |
| RONALD EUGENE WALLACE3 Filed as: RONALD E WALLACE | PO BOX 1355 BAY MINETTE, AL 36507 | CONTINENTAL AMERICAN INSURANCE COMPANY | $342 | — | $342 | 1.24% |
| JOSEPH E PUPEK JR3 Filed as: JOSEPH E PUPEK, JR. | 343 FAIRWAYS DRIVE MACON, GA 31220 | CONTINENTAL AMERICAN INSURANCE COMPANY | $262 | — | $262 | 0.95% |
| DANIEL L EALY3 | 4955 KERRINGTON BOULEVARD BARGERSVILLE, IN 46106 | CONTINENTAL AMERICAN INSURANCE COMPANY | $225 | — | $225 | 0.81% |
| MICHAEL C WALKER3 Filed as: MICHAEL SHANE KIRKLAND | 137 PLANTATION DRIVE KILLEN, AL 35645 | CONTINENTAL AMERICAN INSURANCE COMPANY | $37 | — | $37 | 0.13% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 3510 NORTH CAUSEWAY BOULEVARD SUITE 300 METAIRIE, LA 70002 | STANDARD INSURANCE COMPANY | $4K | — | $4K | 13.85% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHEAST LIMITED | 1065 AVENUE OF THE AMERICAS NEW YORK, NY 10018 | STANDARD INSURANCE COMPANY | $485 | — | $485 | 1.82% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 3510 NORTH CAUSEWAY BOULEVARD SUITE 300 METAIRIE, LA 70002 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 13.87% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHEAST LIMITED | 1065 AVENUE OF THE AMERICAS NEW YORK, NY 10018 | STANDARD INSURANCE COMPANY | $305 | — | $305 | 1.80% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 3510 NORTH CAUSEWAY BOULEVARD SUITE 300 METAIRIE, LA 70002 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 13.86% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHEAST LIMITED | 1065 AVENUE OF THE AMERICAS NEW YORK, NY 10018 | STANDARD INSURANCE COMPANY | $233 | — | $233 | 1.76% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 3510 NORTH CAUSEWAY BOULEVARD SUITE 300 METAIRIE, LA 70002 | STANDARD INSURANCE COMPANY | $1K | — | $1K | 9.29% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHEAST LIMITED | 1065 AVENUE OF THE AMERICAS NEW YORK, NY 10018 | STANDARD INSURANCE COMPANY | $220 | — | $220 | 1.93% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 1141 MONTLIMAR DRIVE SUITE 2500 MOBILE, AL 36609 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| ABLE BENEFIT SOLUTIONS3 | PO BOX 11407 BIRMINGHAM, AL 35246 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $548 | $548 | 5.40% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 3510 NORTH CAUSEWAY BOULEVARD SUITE 300 METAIRIE, LA 70002 | STANDARD INSURANCE COMPANY | $1K | — | $1K | 15.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 3510 NORTH CAUSEWAY BOULEVARD SUITE 300 METAIRIE, LA 70002 | STANDARD INSURANCE COMPANY | $677 | — | $677 | 14.99% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 3510 NORTH CAUSEWAY BOULEVARD SUITE 300 METAIRIE, LA 70002 | STANDARD INSURANCE COMPANY | $543 | — | $543 | 15.00% |
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 | 182 | 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) | 182 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 144 | $1.2M |
| Vision | STANDARD INSURANCE COMPANY | 89 | $11K |
| Life insurance(3 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 190 | $27K |
| Short-term disability(2 contracts) | STANDARD INSURANCE COMPANY | 189 | $21K |
| Long-term disability(2 contracts) | STANDARD INSURANCE COMPANY | 190 | $34K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 144 | $1.2M |
| Other(4 contracts, 3 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 190 | $55K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 190 | — |
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.