| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCES., INC. | 1125 17TH STREET, SUITE 900 DENVER, CO 80202 | GHMSI | $60K | $123 | $61K | 5.01% |
| MATHER & STROHL ADMIN SVCS INC5 Filed as: MATHER AND STROHL | 10540 YORK ROAD COCKEYSVILLE, MD 21030 | GHMSI | — | $11K | $11K | 0.88% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCES., INC. | 1393 VETERENS MEMORIAL HIGHWAY SUITE 210-N HAUPPAUGE, NY 11788 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $13K | — | $13K | 11.84% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCES., INC. | 1125 17TH STREET, SUITE 900 DENVER, CO 80202 | UNITEDHEALTHCARE INSURANCE COMPANY | $2K | — | $2K | 3.98% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCES., INC. | 100 SUNNYSIDE BOULEVARD SUNNYSIDE BOULEVARD, NY 11797 | UNITEDHEALTHCARE INSURANCE COMPANY | $1K | — | $1K | 2.96% |
| ARMFIELD HARRISON & THOMAS3 Filed as: ARMFIELD HARRISON & THOMAS INC. | 20 SOUTH KING STREET LEESBURG, VA 20175 | UNITEDHEALTHCARE INSURANCE COMPANY | $11 | — | $11 | 0.02% |
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 | 273 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 275 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | GHMSI | 486 | $1.2M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 283 | $46K |
| Vision | EYEMED | 337 | $12K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 273 | $109K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 273 | $109K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 273 | $109K |
| Prescription drug | GHMSI | 486 | $1.2M |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 273 | $109K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 486 | — |
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 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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.