| 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 | 17.08% |
| IMG3 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $21 | $21 | 0.04% |
| VICTORIA MCVAY3 Filed as: VICTORIA R MCVAY | 711 NATCHEZ TRAIL COURT MOBILE, AL 36609 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 5.35% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 55 EAST JACKSON BOULEVARD FLOOR 14 CHICAGO, IL 60604 | CONTINENTAL AMERICAN INSURANCE COMPANY | $972 | — | $972 | 4.12% |
| BOZEMAN ENTERPRISES INC3 | 4 YACHT CLUB DRIVE SUITE 206 DALPHNE, AL 36526 | CONTINENTAL AMERICAN INSURANCE COMPANY | $516 | — | $516 | 2.19% |
| SARAH YOUNCE ZACCARO3 | 2854 BRIARFIELD LANE MOBILE, AL 36693 | CONTINENTAL AMERICAN INSURANCE COMPANY | $384 | — | $384 | 1.63% |
| MICHAEL S MASKILL3 | 12375 RIVER CREEK LOT 10 FAIRHOPE, AL 36532 | CONTINENTAL AMERICAN INSURANCE COMPANY | $120 | — | $120 | 0.51% |
| TINA C OGLESBY3 Filed as: TINA CATHERINE OGLESBY | 3194 GATES CIRCLE NORTH THEODORE, AL 36582 | CONTINENTAL AMERICAN INSURANCE COMPANY | $35 | — | $35 | 0.15% |
| RONALD EUGENE WALLACE3 | 17243C NORTH LAKE DRIVE BAY MINETTE, AL 36507 | CONTINENTAL AMERICAN INSURANCE COMPANY | $26 | — | $26 | 0.11% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 1591 GALBRAITH AVENUE SOUTHEAST PO BOX 2167 GRAND RAPIDS, MI 49501 | PRINCIPAL LIFE INSURANCE COMPANY | $612 | — | $612 | 9.96% |
| GIS BENEFITS INC3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | PRINCIPAL LIFE INSURANCE COMPANY | $306 | $137 | $443 | 7.21% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL LIMITED | 150 NORTH RIVERSIDE PLAZA SUITE 1700 CHICAGO, IL 60606 | PRINCIPAL LIFE INSURANCE COMPANY | — | $335 | $335 | 5.45% |
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 | 119 | 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) | 119 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 75 | $805K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 52 | $6K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 119 | $51K |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 119 | $51K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 119 | $51K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 75 | $805K |
| Other(3 contracts, 3 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 119 | $880K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 119 | — |
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.