| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 | 625 KENMOOR AVE., SE STE 200 GRAND RAPIDS, MI 49546 | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | $36K | — | $36K | 5.65% |
| AXION RMS LTD3 Filed as: AXION RMS LTD. | 2651 WARRENVILLE ROAD, SUITE 200 DOWNERS GROVE, IL 60515 | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | $7K | — | $7K | 1.07% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 15162 COLLECTION CENTER DRIVE CHICAGO, IL 60693 | VISION SERVICE PLAN | $558 | — | $558 | 6.08% |
| AXION RMS LTD3 Filed as: AXION RMS, LTD | 2651 WARRENVILLE RD STE 200 DOWNERS GROVE, IL 60515 | VISION SERVICE PLAN | $135 | — | $135 | 1.47% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 55 E JACKSON STE 14B CHICAGO, IL 60604 | HARTFORD LIFE AND ACCIDENT | — | $988 | $988 | 11.12% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | ATTN MARNIE MILLER 55 E JACKSON BLVD, STE 14B CHICAGO, IL 60604 | HARTFORD LIFE AND ACCIDENT | $216 | — | $216 | 2.43% |
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 | 114 | 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) | 114 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | 213 | $631K |
| Dental | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | 213 | $631K |
| Vision | VISION SERVICE PLAN | 68 | $9K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 138 | $9K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 138 | $9K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 138 | $9K |
| Other | HARTFORD LIFE AND ACCIDENT | 138 | $9K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 213 | — |
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.