| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MOUNTAIN STATES L | 517 RIVER VISTA PL AGENT CODE 37-2295 TWIN FALLS, ID 83301 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $12K | $6K | $17K | 22.06% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MOUNTAIN STATES L | 517 RIVER VISTA PL AGENT CODE 37-2295 TWIN FALLS, ID 83301 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $9K | $4K | $14K | 22.09% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MOUNTAIN STATES L | 517 RIVER VISTA PL AGENT CODE 37-2295 TWIN FALLS, ID 83301 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $9K | $2K | $11K | 43.61% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MOUNTAIN STATES L | 517 RIVER VISTA PL AGENT CODE 37-2295 TWIN FALLS, ID 83301 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $826 | $3K | 22.06% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MOUNTAIN STATES L | 517 RIVER VISTA PL AGENT CODE 37-2295 TWIN FALLS, ID 83301 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $2K | $4K | 37.33% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MOUNTAIN STATES L | 517 RIVER VISTA PL AGENT CODE 37-2295 TWIN FALLS, ID 83301 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $2K | $5K | 62.02% |
| FORESTER BENEFITS MANAGEMENT LLC3 | 1909 PINNACLE POINTE WAY KNOXVILLE, TN 37922 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $2K | $3K | 61.99% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MOUNTAIN STATES L | 517 RIVER VISTA PL AGENT CODE 37-2295 TWIN FALLS, ID 83301 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $568 | $858 | $1K | 37.66% |
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 | 217 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 217 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 215 | $88K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 217 | $79K |
| Long-term disability(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 47 | $23K |
| Other(3 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 116 | $17K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 217 | — |
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.
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.