| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TENTH DOT BENEFITS SOLUTIONS LLC3 | 444 LIBERTY AVENUE SUITE 750 PITTSBURGH, PA 15222 | UNUM LIFE INSURANCE COMPANY | $109K | $12K | $121K | 7.96% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 55 EAST JACKSON BLVD. CHICAGO, IL 60604 | KAISER PERMANENTE | $35K | $0 | $35K | 2.50% |
| FST ASSOCIATION INC3 Filed as: FST ASSOCIATION INC. | 55 EAST JACKSON BLVD. CHICAGO, IL 606444466 | METROPOLITAN LIFE INSURANCE COMPANY | $34K | $17K | $51K | 3.76% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD. | 55 EAST JACKSON BLVD. CHICAGO, IL 606044466 | METROPOLITAN LIFE INSURANCE COMPANY | $27K | $0 | $27K | 2.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD. | 15162 COLLECTION CENTER CHICAGO, IL 60693 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $3K | $3K | 0.19% |
| TENTH DOT BENEFITS SOLUTIONS LLC3 | 444 LIBERTY AVENUE SUITE 750 PITTSBURGH, PA 15222 | SUN LIFE ASSURANCE COMPANY OF CANADA | $25K | $0 | $25K | 2.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 55 E. JACKSON BLVD. CHICAGO, IL 60604 | HIGHMARK CASUALTY INSURANCE COMPANY | $112K | — | $112K | 10.69% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 15162 COLLECTION CENTER DRIVE CHICAGO, IL 60693 | VISION SERVICE PLAN | $5K | $0 | $5K | 2.00% |
| GATEWAY BENEFITS DBA THE3 Filed as: GATEWAY FINANCIAL | 444 LIBERTY AVENUE SUITE 750 PITTSBURGH, PA 15222 | ZURICH AMERICAN INSURANCE COMPANY | $24K | $0 | $24K | 15.00% |
| GATEWAY BENEFITS DBA THE3 Filed as: GATEWAY FINANCIAL | 444 LIBERTY AVENUE PITTSBURGH, PA 15222 | ZURICH AMERICAN INSURANCE COMPANY | $20K | $0 | $20K | 15.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| VELOCITY TECHNOLOGY EIN 75-3247835 CONSULTANT | Consulting (general) Service code 16 | — | $49K |
| BUCK CONSULTANTS EIN 13-3954297 CONSULTANT | Consulting (general) Service code 16 | — | $38K |
| HUB INTERNATIONAL EIN 35-0672425 CONSULTANT | Consulting (general) Service code 16 | — | $36K |
| BANK OF NEW YORK MELLON EIN 13-5160382 TRUSTEE | Trustee (bank, trust company, or similar financial institution) Service code 21 | — | $19K |
| LOVE, SCHERLE & BAUER, P.C. EIN 25-1777567 PLAN AUDITOR | Accounting (including auditing) Service code 10 | — | $14K |
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 | 2,267 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 86 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 2,353 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | KAISER PERMANENTE | 193 | $1.6M |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 3,490 | $1.5M |
| Vision | VISION SERVICE PLAN | 1,484 | $238K |
| Life insurance(3 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 2,254 | $1.6M |
| Long-term disability | UNUM LIFE INSURANCE COMPANY | 2,341 | $1.5M |
| Prescription drug(4 contracts, 3 carriers) | KAISER PERMANENTE | 193 | $1.6M |
| Stop-loss / reinsurancereinsurance | HIGHMARK CASUALTY INSURANCE COMPANY | 1,823 | $1.0M |
| Other(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY | 2,341 | $1.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,490 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.