| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BENEFIT COMMERCE GROUP | 14300 N NORTHSIGHT BLVD #221 SCOTTSDALE, AZ 85260 | UNITEDHEALTHCARE INSURANCE CO | $6K | $5K | $11K | 2.27% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 1847 W JEFFERSON AVE NAPERVILLE, IL 60540 | UNITEDHEALTHCARE INSURANCE CO | $0 | $10K | $10K | 2.06% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BENEFIT COMMERCE GROUP | 14300 N NORTHSIGHT BLVD #221 SCOTTSDALE, AZ 85260 | UNION SECURITY INSURANCE COMPANY | $587 | $402 | $989 | 3.76% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 1847 W JEFFERSON AVE NAPERVILLE, IL 60540 | UNION SECURITY INSURANCE COMPANY | $130 | $0 | $130 | 0.49% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BENEFIT COMMERCE GROUP | 14300 N NORTHSIGHT BLVD #221 SCOTTSDALE, AZ 85260 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $92 | $1K | 5.37% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: DANIEL F RIGBY | 1847 W JEFFERSON AVE NAPERVILLE, IL 60540 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $0 | $1K | 5.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2 PIERCE PLACE, 14TH FLOOR ITASCA, FL 60143 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $153 | $153 | 0.62% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BENEFIT COMMERCE GROUP | 14300 N NORTHSIGHT BLVD #221 SCOTTSDALE, AZ 85260 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $56 | $1K | 8.17% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: DANIEL F RIGBY | 1847 W JEFFERSON AVE NAPERVILLE, IL 60540 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $0 | $1K | 7.22% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2 PIERCE PLACE, 14TH FLOOR ITASCA, IL 60143 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $86 | $86 | 0.60% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BENEFIT COMMERCE GROUP | 14300 N NORTHSIGHT BLVD #221 SCOTTSDALE, AZ 85260 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $774 | $39 | $813 | 8.48% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: DANIEL F RIGBY | 1847 W JEFFERSON AVE NAPERVILLE, IL 60540 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $664 | $0 | $664 | 6.93% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2 PIERCE PLACE, 14TH FLOOR ITASCA, FL 60143 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $55 | $55 | 0.57% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 1847 W JEFFERSON AVE NAPERVILLE, IL 60540 | NATIONAL GUARDIAN LIFE INSURANCE CO | $329 | $0 | $329 | 5.53% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BENEFIT COMMERCE GROUP | 14300 N NORTHSIGHT BLVD #221 SCOTTSDALE, AZ 85260 | NATIONAL GUARDIAN LIFE INSURANCE CO | $265 | $0 | $265 | 4.45% |
No Schedule C service providers reported on this filing.
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 | 177 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 177 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE CO | 92 | $468K |
| Dental | UNION SECURITY INSURANCE COMPANY | 139 | $26K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE CO | 75 | $6K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 147 | $24K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 147 | $24K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 38 | $10K |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 147 | $39K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 147 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.