| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: THE HDH GROUP | 210 SIXTH AVENUE 30TH FLOOR PITTSBURGH, PA 15222 | HIGHMARK | $162K | — | $162K | 2.92% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL LIMITED | 1560 ORANGE AVENUE, SUITE 750 WINTER PARK, FL 32789 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | $6K | $15K | 8.34% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 1560 ORANGE AVENUE, SUITE 750 WINTER PARK, FL 32789 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $19K | $4K | $23K | 23.67% |
| ASSUREDPARTNERS3 Filed as: THE HDH GROUP INC. | 210 SIXTH AVENUE, 30TH FLOOR PITTSBURGH, PA 15222 | VISION BENEFITS OF AMERICA | $3K | — | $3K | 5.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHEAST | 100 SUNNYSIDE BLVD WOODBURY, NY 11797 | UNUM INSURANCE COMPANY | $3K | $363 | $4K | 20.15% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHEAST | 100 SUNNYSIDE BLVD WOODBURY, NY 11797 | UNUM INSURANCE COMPANY | $3K | $326 | $4K | 20.72% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHEAST | 100 SUNNYSIDE BLVD WOODBURY, NY 11797 | UNUM INSURANCE COMPANY | $3K | $360 | $3K | 20.32% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 1560 ORANGE AVENUE, SUITE 750 WINTER PARK, FL 32789 | FIRST UNUM LIFE INSURANCE COMPANY | $115 | $38 | $153 | 16.54% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNUM LIFE INSURANCE COMPANY OF AMER EIN 01-0278678 ASO PROVIDER | Claims processing Service code 12 | — | $34K |
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 | 694 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 701 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK | 1,280 | $5.6M |
| Dental | HIGHMARK | 1,280 | $5.6M |
| Vision | VISION BENEFITS OF AMERICA | 466 | $56K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 731 | $184K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 731 | $184K |
| Prescription drug | HIGHMARK | 1,280 | $5.6M |
| Other(6 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 731 | $333K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,280 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.