| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 | 3635 RIVERSIDE PLAZA DRIVE SUITE 300 RIVERSIDE, CA 92506 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $9K | — | $9K | 18.04% |
| IMG3 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $20 | $20 | 0.04% |
| VICTORIA MCVAY3 | 711 NATCHEZ TRAIL COURT MOBILE, AL 36609 | CONTINENTAL AMERICAN INSURANCE COMPANY | $179 | — | $179 | 0.72% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | PO BOX 6650 METAIRIE, LA 70009 | CONTINENTAL AMERICAN INSURANCE COMPANY | $143 | — | $143 | 0.58% |
| SARAH STEINER3 | 7135 HALEYS WAY THEODORE, AL 36582 | CONTINENTAL AMERICAN INSURANCE COMPANY | $93 | — | $93 | 0.38% |
| BOZEMAN ENTERPRISES INC3 Filed as: BOZEMAN ENTERPRISES, INC | 4 YACHT CLUB DRIVE SUITE 206 DAPHNE, AL 36526 | CONTINENTAL AMERICAN INSURANCE COMPANY | $49 | — | $49 | 0.20% |
| MICHAEL S MASKILL3 | 818 DARRAH STREET FAIRHOPE, AL 36652 | CONTINENTAL AMERICAN INSURANCE COMPANY | $11 | — | $11 | 0.04% |
| TINA OGLESBY3 Filed as: TINA CATHY OGLESBY | 9535 BRISTOW COURT MOBILE, AL 36695 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4 | — | $4 | 0.02% |
| RONALD EUGENE WALLACE3 Filed as: RONALD E WALLACE | PO BOX 1355 BAY MINETTE, AL 36507 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3 | — | $3 | 0.01% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 1591 GALBRAITH AVENUE SOUTHEAST PO BOX 2167 GRAND RAPIDS, MI 49501 | PRINCIPAL LIFE INSURANCE COMPANY | $655 | — | $655 | 9.96% |
| GIS BENEFITS INC3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | PRINCIPAL LIFE INSURANCE COMPANY | $328 | $147 | $475 | 7.22% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL LIMITED | 300 NORTH LA SALLE DRIVE FLOOR 17 CHICAGO, IL 60654 | PRINCIPAL LIFE INSURANCE COMPANY | — | $168 | $168 | 2.56% |
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 | 112 | 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) | 112 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 85 | $671K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 52 | $7K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 104 | $51K |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 104 | $51K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 104 | $51K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 85 | $671K |
| Other(3 contracts, 3 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 185 | $746K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 185 | — |
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.