| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 | 9200 WARD PARKWAY, SUITE 500 KANSAS CITY, MO 64114 | BLUECROSS BLUESHIELD OF OKLAHOMA | $0 | $4K | $4K | 0.13% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 9200 WARD PARKWAY KANSAS CITY, MO 64114 | DELTA DENTAL | $21K | $0 | $21K | 8.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 9200 WARD PARKWAY, SUITE 500 KANSAS CITY, MO 64114 | SUN LIFE ASSURANCE COMPANY OF CANADA | $31K | $0 | $31K | 12.72% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | PO BOX 2158 RIVERSIDE, CA 92516 | SUN LIFE ASSURANCE COMPANY OF CANADA | $0 | $4K | $4K | 1.59% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 9200 WARD PARKWAY, SUITE 500 KANSAS CITY, MO 64114 | PRINCIPAL LIFE INSURANCE COMPANY | $4K | $0 | $4K | 10.02% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 150 NORTH RIVERSIDE PLAZA SUITE 1700 CHICAGO, IL 60606 | PRINCIPAL LIFE INSURANCE COMPANY | $0 | $1K | $1K | 3.11% |
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 | 723 | 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) | 723 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF OKLAHOMA | 558 | $3.4M |
| Dental | DELTA DENTAL | 284 | $256K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 525 | $44K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 723 | $243K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 723 | $243K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 723 | $243K |
| Prescription drug | BLUECROSS BLUESHIELD OF OKLAHOMA | 558 | $3.4M |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 723 | $243K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 723 | — |
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.