| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL LTD D/B/A HUB INT | 2487 CEDARCREST ROAD SUITE 122 ACWORTH, GA 30101 | METROPOLITAN LIFE INSURANCE COMPANY | $21K | $59 | $21K | 9.20% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 16253 COLLECTION CENTER DRIVE 40 WEST MADISION 4TH FLORR BANK OF CHICAGO, IL 60693 | METROPOLITAN LIFE INSURANCE COMPANY | — | $3K | $3K | 1.15% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 2487 CEDARCREST ROAD SUITE 122 ACWORTH, GA 30101 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | $4K | $11K | 22.43% |
| WEB BENEFITS DESIGN CORPORATION3 | 4725 WEST SAND LAKE ROAD SUITE 300 ORLANDO, FL 32819 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $6K | $6K | 12.50% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 2487 CEDARCREST ROAD SUITE 122 ACWORTH, GA 30101 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $2K | $9K | 21.02% |
| WEB BENEFITS DESIGN CORPORATION3 | 4725 WEST SAND LAKE ROAD SUITE 300 ORLANDO, FL 32819 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $5K | $5K | 12.50% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 2487 CEDARCREST ROAD SUITE 122 ACWORTH, GA 30101 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $2K | $8K | 21.31% |
| WEB BENEFITS DESIGN CORPORATION3 | 4725 WEST SAND LAKE ROAD SUITE 300 ORLANDO, FL 32819 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $5K | $5K | 12.50% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL LTD D/B/A HUB INT | 2487 CEDARCREST ROAD SUITE 122 ACWORTH, GA 30101 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | $59 | $8K | 19.77% |
| BENETEK CORPORATION3 | 4725 WEST SAND LAKE ROAD SUITE 300 ORLANDO, FL 32819 | METROPOLITAN LIFE INSURANCE COMPANY | — | $1K | $1K | 2.94% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 16253 COLLECTION CENTER DRIVE 40 WEST MADISON 4TH FLOOR CHICAGO, IL 60693 | METROPOLITAN LIFE INSURANCE COMPANY | — | $557 | $557 | 1.41% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 2487 CEDARCREST ROAD ACWORTH, GA 30101 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $5K | — | $5K | 13.68% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL LTD D/B/A HUB INT | 2487 CEDARCREST ROAD SUITE 122 ACWORTH, GA 30101 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | — | $6K | 21.24% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL LTD D/B/A HUB INT | 6277 SEA HARBOR DRIVE SUITE 201 ORLANDO, FL 32821 | METROPOLITAN LIFE INSURANCE COMPANY | $786 | — | $786 | 2.97% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 16253 COLLECTION CENTER DRIVE CHICAGO, IL 60693 | METROPOLITAN LIFE INSURANCE COMPANY | $404 | — | $404 | 1.53% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | — | METROPOLITAN LIFE INSURANCE COMPANY | — | $59 | $59 | 0.22% |
| BENETEK CORPORATION3 | 6277 SEA HARBOR DRIVE SUITE 201 ORLANDO, FL 32821 | METROPOLITAN LIFE INSURANCE COMPANY | $57 | — | $57 | 0.22% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 2487 CEDARCREST ROAD SUITE 122 ACWORTH, GA 30101 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $1K | $3K | 22.41% |
| WEB BENEFITS DESIGN CORPORATION3 | 4725 WEST SAND LAKE ROAD SUITE 300 ORLANDO, FL 32819 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 12.50% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 2487 CEDARCREST ROAD SUITE 122 ACWORTH, GA 30101 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $7K | $7K | — |
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 | 315 | 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) | 315 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 475 | $228K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 242 | $35K |
| Life insurance(3 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 475 | $292K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 106 | $41K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 86 | $40K |
| Other(4 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 388 | $130K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 475 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.