| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 | 5435 CORPORATE DRIVE SUITE 260 TROY, MI 48098 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $34K | $34K | 2.81% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 707 SKOKIE BOULEVARD SUITE 400 NORTHBROOK, IL 60062 | CONTINENTAL AMERICAN INSURANCE COMPANY | $14K | — | $14K | 14.52% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | PO BOX 2158 RIVERSIDE, CA 92516 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $8K | $2K | $10K | 12.58% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | PO BOX 2158 RIVERSIDE, CA 92516 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $16K | $3K | $19K | 34.78% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | PO BOX 2158 RIVERSIDE, CA 92516 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $3K | $5K | 10.31% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | PO BOX 2158 RIVERSIDE, CA 92516 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $1K | $5K | 20.56% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | PO BOX 2158 RIVERSIDE, CA 92516 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $513 | $513 | 5.27% |
| GREGORY J LIPOSKY4 | 5919 MILLER WAY EAST BLOOMFIELD TOWNSHIP, MI 48301 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $551 | — | $551 | 8.79% |
| AES LLC DBA STRATEGIV ENROLLMENT SE4 | 27064 OAKMED DRIVE PERRYSBURG, OH 43551 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $74 | — | $74 | 1.18% |
| GALLAGHER BENEFIT SERVICES, INC.4 Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 95287 CHICAGO, IL 60694 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $65 | — | $65 | 1.04% |
| KELLY M TIMMONS4 | 617 TIMOTHY LANE APARTMENT 101 ROCHESTER, MI 48307 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $40 | — | $40 | 0.64% |
| MONTEAL R BROWNE4 | 27416 SUTHERLAND STREET SOUTHFIELD, MI 48076 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $33 | — | $33 | 0.53% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | PO BOX 2158 RIVERSIDE, CA 92516 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $925 | $329 | $1K | 20.33% |
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 | 204 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 205 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 119 | $1.2M |
| Dental | UNITED OF OMAHA LIFE INSURANCE COMPANY | 139 | $80K |
| Vision | UNITED OF OMAHA LIFE INSURANCE COMPANY | 123 | $10K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 203 | $6K |
| Short-term disability(2 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 204 | $143K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 62 | $22K |
| Other(5 contracts, 3 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 203 | $161K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 204 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.