| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 55 E JACKSON BLVD FL 14 CHICAGO, IL 606044466 | METROPOLITAN LIFE INSURANCE COMPANY | $117K | $45 | $117K | 11.01% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD RD STE 300 KIRKWOOD, MO 631224042 | METROPOLITAN LIFE INSURANCE COMPANY | $29K | $17K | $46K | 4.35% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 16253 COLLECTION CENTER DR 40 W MADISON 4TH FL BANK OF AMERICA CHICAGO, IL 606930162 | METROPOLITAN LIFE INSURANCE COMPANY | — | $12K | $12K | 1.15% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 55 E JACKSON BLVD, 14TH FLOOR CHICAGO, IL 60694 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $126K | — | $126K | 20.00% |
| AP BENEFITS ADVISORS LLC3 Filed as: AP BENEFITS ADVISORS, LLC | 10 NORTH PARK PLACE SUITE 200 HUNT VALLEY, MD 21030 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $0 | $0 | 0.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 55 E JACKSON BLVD, 14TH FLOOR CHICAGO, IL 60694 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $70K | — | $70K | 20.00% |
| AP BENEFITS ADVISORS LLC3 Filed as: AP BENEFITS ADVISORS, LLC | 10 NORTH PARK PLACE SUITE 200 HUNT VALLEY, MD 21030 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $0 | $0 | 0.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 55 E JACKSON CHICAGO, IL 60604 | NATIONAL VISION ADMINISTRATORS, LLC | $9K | — | $9K | 5.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 3 RADNOR CORPORATE CTR STE 100 WAYNE, PA 190874516 | METROPOLITAN LIFE INSURANCE COMPANY | $32K | $54 | $32K | 29.98% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER VOLUNTARY BENEFITS | 12421 MEREDITH DRIVE URBANDALE, IA 50398 | METROPOLITAN LIFE INSURANCE COMPANY | — | $26K | $26K | 23.67% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 3009 ARLINGTON HEIGHTS, IL 600063009 | METROPOLITAN LIFE INSURANCE COMPANY | — | $4K | $4K | 3.42% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 95287 CHICAGO, IL 606945287 | METROPOLITAN LIFE INSURANCE COMPANY | — | $7 | $7 | 0.01% |
| LPL FINANCIAL CORP3 | 4707 EXECUTIVE DR ATTN CLIENT COMPENSATION DEPARTMENT SAN DIEGO, CA 921213091 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | — | $7K | 6.95% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | C/O DEPT 3042 PO BOX 123042 DALLAS, TX 753123042 | HM LIFE INSURANCE COMPANY | $21K | — | $21K | 33.46% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 55 E JACKSON BLVD, 14TH FLOOR CHICAGO, IL 60694 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $86 | $18 | $104 | 18.12% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HIGHMARK INC. EIN 23-1294723 CONTRACT ADMINISTRATOR | Claims processing; Contract Administrator Service code 12 | — | $803K |
| RXBENEFITS EIN 63-1157085 CLAIMS PROCESSING | Claims processing Service code 12 | — | $27K |
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 | 3,033 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,035 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 4,156 | $1.1M |
| Vision | NATIONAL VISION ADMINISTRATORS, LLC | 3,727 | $179K |
| Life insurance(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 3,033 | $456K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,854 | $629K |
| Stop-loss / reinsurancereinsurance | HM LIFE INSURANCE COMPANY | 2,368 | $62K |
| Other(4 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 3,033 | $564K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,156 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.