| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL LIMITED | 210 6TH AVE 30TH FL STE 3 PITTSBURGH, PA 15222 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $8K | — | $8K | 10.00% |
| EMPLOYER OPTIONS LLC3 | PO BOX 208 AMBRIDGE, PA 15003 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 2.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL LIMITED | 210 6TH AVE 30TH FL STE 3 PITTSBURGH, PA 15222 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | — | $6K | 10.00% |
| EMPLOYER OPTIONS LLC3 | PO BOX 208 AMBRIDGE, PA 15003 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 2.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL LIMITED | 210 6TH AVE 30TH FL STE 3 PITTSBURGH, PA 15222 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 10.00% |
| EMPLOYER OPTIONS LLC3 | PO BOX 208 AMBRIDGE, PA 15003 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $646 | — | $646 | 2.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL LIMITED | 210 6TH AVE 30TH FL STE 3 PITTSBURGH, PA 15222 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | $362 | — | $362 | 100.00% |
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 | 313 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 18 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 331 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(8 contracts) | UPMC HEALTH OPTIONS | 299 | $2.6M |
| Dental(7 contracts) | UPMC HEALTH BENEFITS | 377 | $145K |
| Vision(7 contracts) | UPMC HEALTH BENEFITS | 377 | $145K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 370 | $55K |
| Short-term disability(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 386 | $80K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 351 | $32K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 386 | — |
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."
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.