| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NEW ENGLAND LLC | 300 BALLARDVALE ST ANDOVER, MA 01810 | BLUE CROSS & BLUE SHIELD OF KANSAS CITY | $190K | — | $190K | 0.98% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INSURANCE SERVICE | 2000 S COLORADO BLVD STE 150 TOWER 2 DENVER, CO 80222 | KAISER FOUNDATION HEALTH PLAN OF COLORADO | $45K | — | $45K | 0.66% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC | 1125 17TH ST #400 DENVER, CO 80202 | KAISER FOUNDATION HEALTH PLAN OF COLORADO | — | $9K | $9K | 0.13% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS SVCS INC | 2000 S COLORADO BLVD STE 150 TOWER 2 DENVER, CO 80222 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | — | $5K | $5K | 0.31% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS SERVICES INC | 2000 S. COLORADO BLVD. TOWER 2 SUITE 150 DENVER, CO 80222 | METLIFE LEGAL PLANS | $10K | — | $10K | 9.14% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PLACE CHICAGO, IL 606731298 | METLIFE LEGAL PLANS | $878 | — | $878 | 0.83% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INSURANCE SERVICE | 7770 JEFFERSON ST. NE SUITE 101 ALBUQUERQUE, NM 87109 | METLIFE LEGAL PLANS | — | $756 | $756 | 0.72% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS BENEFITS GROUP, LLC | 80 SOUTH EIGHTH STREET SUITE 700 MINNEAPOLIS, MN 55402 | METLIFE LEGAL PLANS | — | $265 | $265 | 0.25% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 9200 WARD PKWY STE 500 KANSAS CITY, MO 64114 | FEDERAL INSURANCE COMPANY | $3K | $19 | $3K | 15.09% |
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 | 2,140 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 146 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,286 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS & BLUE SHIELD OF KANSAS CITY | 3,362 | $26.1M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 2,143 | $1.8M |
| Vision | VISION SERVICE PLAN | 1,340 | $342K |
| Life insurance | STANDARD INSURANCE COMPANY | 2,307 | $912K |
| Long-term disability | STANDARD INSURANCE COMPANY | 1,931 | $1.0M |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS & BLUE SHIELD OF KANSAS CITY | 3,362 | $26.1M |
| Other(6 contracts, 4 carriers) | METLIFE LEGAL PLANS | 2,349 | $272K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,362 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.