| 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 | $8K | — | $8K | 16.98% |
| IMG3 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $16 | $16 | 0.04% |
| VICTORIA MCVAY3 | 711 NATCHEZ TRAIL COURT MOBILE, AL 36609 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 7.56% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: DWEST LIMITED HUB INTERNATIONAL MI | P.O. BOX 6650 METAIRIE, LA 70009 | CONTINENTAL AMERICAN INSURANCE COMPANY | $999 | — | $999 | 6.08% |
| SARAH STEINER3 | 7135 HALEYS WAY THEODORE, AL 36582 | CONTINENTAL AMERICAN INSURANCE COMPANY | $535 | — | $535 | 3.26% |
| BOZEMAN ENTERPRISES INC3 Filed as: BOZEMAN ENTERPRISES, INC | 4 YACT CLUB DRIVE 206 DAPHNE, AL 36526 | CONTINENTAL AMERICAN INSURANCE COMPANY | $346 | — | $346 | 2.11% |
| MICHAEL S MASKILL3 | 818 DARRAH STREET FAIRHOPE, AL 36652 | CONTINENTAL AMERICAN INSURANCE COMPANY | $89 | — | $89 | 0.54% |
| TINA OGLESBY3 Filed as: TINA CATHY OGLESBY | 9535 BRISTOW COURT MOBILE, AL 36695 | CONTINENTAL AMERICAN INSURANCE COMPANY | $27 | — | $27 | 0.16% |
| RONALD EUGENE WALLACE3 Filed as: RONALD E WALLACE | PO BOX 1355 BAY MINETTE, AL 36507 | CONTINENTAL AMERICAN INSURANCE COMPANY | $18 | — | $18 | 0.11% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 1591 GALBRAITH AVENUE SOUTHEAST PO BOX 2167 GRAND RAPIDS, MI 49501 | PRINCIPAL LIFE INSURANCE COMPANY | $624 | — | $624 | 10.03% |
| GIS BENEFITS INC3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | PRINCIPAL LIFE INSURANCE COMPANY | $312 | $121 | $433 | 6.96% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL LIMITED | 150 NORTH RIVERSIDE PLAZA SUITE 1700 CHICAGO, IL 60606 | PRINCIPAL LIFE INSURANCE COMPANY | — | $323 | $323 | 5.19% |
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 | 109 | 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) | 109 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 78 | $733K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 52 | $6K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 105 | $44K |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 105 | $44K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 105 | $44K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 78 | $733K |
| Other(3 contracts, 3 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 105 | $794K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 105 | — |
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.