| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BXS INSURANCE INC3 Filed as: CADENCE INSURANCE, INC. | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $112K | — | $112K | 8.01% |
| GCG FINANCIAL LLC3 Filed as: ALTERA PAYROLL & INSURANCE INC. | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | -$120 | — | -$120 | -0.01% |
| BXS INSURANCE INC3 Filed as: CADENCE INSURANCE, INC. | 5980 ZEBULON ROAD MACON, GA 31210 | PRINCIPAL LIFE INSURANCE COMPANY | $76K | $11K | $87K | 14.07% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS | 422 WAUPONSEE STREET MORRIS, IL 60450 | PRINCIPAL LIFE INSURANCE COMPANY | — | $43K | $43K | 6.98% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS SERVICES | 2375 E CAMELBACK RD STE 250 PHOENIX, AZ 85016 | PRINCIPAL LIFE INSURANCE COMPANY | $25K | — | $25K | 3.99% |
| BXS INSURANCE INC3 Filed as: CADENCE INSURANCE, INC | 2909 13TH ST FL 4 GULF PORT, MS 39502 | STARMOUNT LIFE INSURANCE COMPANY | $18K | $559 | $18K | 6.71% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS | 422 WAUPONSEE STREET MORRIS, IL 60450 | STARMOUNT LIFE INSURANCE COMPANY | — | $12K | $12K | 4.46% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INSURANCE SERVICE | 6565 AMERICAS PARKWAY NE ALBUQUERQUE, NC 87110 | STARMOUNT LIFE INSURANCE COMPANY | $7K | $2K | $9K | 3.19% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 1000 NORTHSIDE CROSSING ALBUQUERQUE, GA 31210 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $18K | — | $18K | 7.94% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL SW AGENCY LIMITED | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $5K | — | $5K | 2.06% |
| GCG FINANCIAL LLC3 Filed as: ALTERA PAYROLL & INSURANCE INC. | — | HARTFORD ACCIDENT AND LIFE INSURANCE COMPANY | $2K | — | $2K | 5.34% |
| BXS INSURANCE INC3 Filed as: CADENCE INSURANCE, INC. | 422 WAUPONSEE ST MORRIS, IL 60450 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | — | $5K | 12.37% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS | 422 WAUPONSEE STREET MORRIS, IL 60450 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $3K | $3K | 6.96% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS SERVICES | 2905 RODEO PARK DR EAST SANTA FE, NM 87505 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 2.63% |
| SIA GROUP INC3 | 827 GUM BRANCH ROAD JACKSONVILLE, NC 28540 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $135 | — | $135 | 9.18% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INSURANCE SERVICE | 6565 AMERICAS PARKWAY NE ALBUQUERQUE, NM 87110 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $12 | $6 | $18 | 1.22% |
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 | 479 | 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) | 479 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 388 | $1.6M |
| Dental(2 contracts, 2 carriers) | STARMOUNT LIFE INSURANCE COMPANY | 357 | $492K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 953 | $621K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 953 | $621K |
| Short-term disability(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 953 | $622K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 953 | $621K |
| Other(3 contracts, 3 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 953 | $885K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 953 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.