| 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 | $88K | $23K | $111K | 7.67% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 16253 COLLECTION CENTER CHICAGO, IL 60693 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $21K | $21K | 1.68% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 55 EAST JACKSON BLVD CHICAGO, IL 606044466 | METROPOLITAN LIFE INSURANCE COMPANY | $15K | $0 | $15K | 1.17% |
| FST ASSOCIATION INC3 | 55 EAST JACKSON BLVD CHICAGO, IL 606444466 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | $3K | $10K | 0.80% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 55 EAST JACKSON BLVD CHICAGO, IL 60604 | KAISER PERMANENTE | $32K | $0 | $32K | 2.62% |
| TENTH DOT BENEFITS SOLUTIONS LLC3 | 444 LIBERTY AVENUE SUITE 750 PITTSBURGH, PA 15222 | SUN LIFE ASSURANCE COMPANY OF CANADA | $17K | $0 | $17K | 1.47% |
| ASSUREDPARTNERS Filed as: THE HDH GROUP | 210 6TH AVE PITTSBURGH, PA 15222 | SUN LIFE ASSURANCE COMPANY OF CANADA | $2K | — | $2K | 0.17% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 55 E JACKSON BLVD CHICAGO, IL 60604 | HIGHMARK CASUALTY INSURANCE COMPANY | $108K | — | $108K | 10.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 15162 COLLECTION CENTER DRIVE CHICAGO, IL 60693 | VISION SERVICE PLAN | $5K | $0 | $5K | 2.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 55 EAST JACKSON BLVD CHICAGO, IL 60604 | UNUM LIFE INSURANCE COMPANY | $124K | $11K | $135K | 63.04% |
| GATEWAY BENEFITS DBA THE3 Filed as: GATEWAY FINANCIAL | 444 LIBERTY AVENUE PITTSBURGH, PA 15222 | ZURICH AMERICAN INSURANCE COMPANY | $19K | $0 | $19K | 14.32% |
| GATEWAY BENEFITS DBA THE3 Filed as: GATEWAY FINANCIAL | 444 LIBERTY AVENUE SUITE 750 PITTSBURGH, PA 15222 | ZURICH AMERICAN INSURANCE COMPANY | $20K | $0 | $20K | 15.72% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HUB INTERNATIONAL EIN 35-0672425 CONSULTANT | Consulting (general) Service code 16 | — | $76K |
| OASIS SOFTWARE EIN 62-1602448 CONSULTANT | Consulting (general) Service code 16 | — | $32K |
| VELOCITY TECHNOLOGY EIN 75-3247835 CONSULTANT | Consulting (general) Service code 16 | — | $26K |
| LOVE SCHERLE & BAUER PC EIN 25-1777567 PLAN AUDITOR | Accounting (including auditing) Service code 10 | — | $12K |
| BANK OF NEW YORK MELLON EIN 13-5160382 TRUSTEE | Trustee (bank, trust company, or similar financial institution) Service code 21 | — | $12K |
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 | 2,078 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 73 | Continuation coverage (COBRA, retiree health). |
| Beneficiaries receiving benefits | 15 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 2,166 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | KAISER PERMANENTE | 167 | $1.4M |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 2,430 | $1.4M |
| Vision | VISION SERVICE PLAN | 1,420 | $251K |
| Life insurance(3 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 2,068 | $1.4M |
| Long-term disability | UNUM LIFE INSURANCE COMPANY | 2,130 | $1.4M |
| Prescription drug(4 contracts, 3 carriers) | KAISER PERMANENTE | 167 | $1.5M |
| Stop-loss / reinsurancereinsurance | HIGHMARK CASUALTY INSURANCE COMPANY | 1,553 | $1.1M |
| Other(4 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY | 2,130 | $1.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,430 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.