| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 | PO BOX 2158 RIVERSIDE, CA 92516 | HM LIFE INSURANCE COMPANY | $245K | — | $245K | 8.20% |
| ASSUREDPARTNERS3 Filed as: THE HDH GROUP, INC. | 210 6TH AVENUE 30TH FLOOR PITTSBURGH, PA 15222 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $132K | — | $132K | 8.70% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 55 E JACKSON BLVD CHICAGO, IL 60604 | METROPOLITAN LIFE INSURANCE COMPANY | $36K | — | $36K | 2.97% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 16253 COLLECTION CENTER DR 4TH FLOOR BOA LOCK BOX SVCS CHICAGO, IL 60693 | METROPOLITAN LIFE INSURANCE COMPANY | — | $12K | $12K | 1.03% |
| ASSUREDPARTNERS3 Filed as: THE HDH GROUP, INC. | 210 6TH AVENUE 30TH FLOOR PITTSBURGH, PA 15222 | SUN LIFE ASSURANCE COMPANY OF CANADA | $24K | — | $24K | 2.03% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 55 E JACKSON BLVD CHICAGO, IL 60604 | KAISER FOUNDATION HEALTH PLAN, INC. | $15K | — | $15K | 2.40% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 55 E JACKSON BLVD STE 14A CHICAGO, IL 60604 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $67K | $4K | $70K | 15.32% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 55 E JACKSON BLVD CHICAGO, IA 60604 | KAISER FOUNDATION HEALTH PLAN, INC. | $10K | — | $10K | 2.48% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | PO BOX 2158 RIVERSIDE, CA 92516 | VISION SERVICE PLAN | $5K | — | $5K | 2.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL THREE RIVERS | 2730 SIDNEY STREET STE 330 PITTSBURGH, PA 15203 | ZURICH AMERICAN INSURANCE COMPANY | $27K | — | $27K | 15.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL THREE RIVERS | 2730 SIDNEY STREET STE 330 PITTSBURGH, PA 15203 | ZURICH AMERICAN INSURANCE COMPANY | $17K | — | $17K | 15.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HIGHMARK EIN 23-1294723 NONE | Claims processing Service code 12 | — | $1.5M |
| HUB INTERNATIONAL EIN 35-0672425 NONE | Consulting (general) Service code 16 | — | $55K |
| OASIS SOFTWARE II, LLC EIN 83-0594813 NONE | Consulting (general) Service code 16 | — | $48K |
| WEX, INC. EIN 01-0526993 NONE | Claims processing Service code 12 | — | $37K |
| BAKER TILLY USA EIN 30-1413443 NONE | Accounting (including auditing) Service code 10 | — | $16K |
| BANK OF NEW YORK MELLON EIN 13-5160382 NONE | Trustee (bank, trust company, or similar financial institution) Service code 21 | — | $6K |
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 | 2,024 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 82 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,106 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN, INC. | 59 | $1.1M |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 2,958 | $1.3M |
| Vision(2 contracts, 2 carriers) | VISION SERVICE PLAN | 1,356 | $305K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,941 | $1.2M |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,294 | $1.5M |
| Prescription drug(4 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN, INC. | 779 | $1.1M |
| Stop-loss / reinsurancereinsurance | HM LIFE INSURANCE COMPANY | 1,551 | $3.0M |
| Other(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,982 | $756K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,982 | — |
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.