| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 55 E JACKSON BOULEVARD CHICAGO, IL 60604 | HIGHMARK CASUALTY INSURANCE COMPANY | $150K | $0 | $150K | 8.20% |
| ASSUREDPARTNERS3 Filed as: THE HDH GROUP INC. | 210 6TH AVENUE FL 30 PITTSBURGH, PA 15222 | UNUM LIFE INSURANCE COMPANY | $108K | $21K | $128K | 7.69% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 55 E JACKSON BOULEVARD CHICAGO, IL 60604 | KAISER PERMANENTE | $32K | $0 | $32K | 2.31% |
| ASSUREDPARTNERS3 Filed as: THE HDH GROUP INC. | 210 6TH AVENUE FL 30 PITTSBURGH, PA 15222 | SUN LIFE ASSURANCE COMPANY OF CANADA | $28K | $0 | $28K | 2.15% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 55 E JACKSON BOULEVARD CHICAGO, IL 60644 | METROPOLITAN LIFE INSURANCE COMPANY | $36K | $18K | $54K | 4.52% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 56 E JACKSON BOULEVARD CHICAGO, IL 60604 | UNUM LIFE INSURANCE COMPANY | $73K | $4K | $78K | 17.40% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 55 E JACKSON BOULEVARD CHICAGO, IL 60604 | VISION SERVICE PLAN | $5K | $0 | $5K | 2.00% |
| ASSUREDPARTNERS3 Filed as: THE HDH GROUP INC. | 210 6TH AVENUE FL 30 PITTSBURGH, PA 15222 | ZURICH AMERICAN INSURANCE COMPANY | $26K | $0 | $26K | 15.00% |
| ASSUREDPARTNERS3 Filed as: THE HDH GROUP INC. | 210 6TH AVENUE FL 30 PITTSBURGH, PA 15222 | ZURICH AMERICAN INSURANCE COMPANY | $17K | $0 | $17K | 14.84% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HUB INTERNATIONAL EIN 35-0672425 CONSULTANT | Consulting (general) Service code 16 | — | $57K |
| OASIS SOFTWARE EIN 62-1602448 CONSULTANT | Consulting (general) Service code 16 | — | $48K |
| BANK OF NEW YORK MELLON EIN 13-5160382 TRUSTEE | Trustee (bank, trust company, or similar financial institution) Service code 21 | — | $23K |
| BAKER TILLY US LLP EIN 39-0859910 PLAN AUDITOR | Accounting (including auditing) Service code 10 | — | $9K |
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 | 2,073 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 55 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 2,128 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | KAISER PERMANENTE | 129 | $1.5M |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,579 | $1.2M |
| Vision | VISION SERVICE PLAN | 1,219 | $253K |
| Life insurance(3 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 2,034 | $1.6M |
| Long-term disability | UNUM LIFE INSURANCE COMPANY | 1,908 | $1.7M |
| Prescription drug(4 contracts, 3 carriers) | KAISER PERMANENTE | 129 | $1.5M |
| Stop-loss / reinsurancereinsurance | HIGHMARK CASUALTY INSURANCE COMPANY | 1,602 | $1.8M |
| Other(4 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY | 2,034 | $2.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,034 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.