| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 | 1411 OPUS PL STE 450 DOWNERS GROVE, IL 605151423 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $528K | $528K | 2.89% |
| GLOBAL BENEFITS INC3 Filed as: GLOBAL BENEFITS INC. | 570 LAKE COOK RD STE 106 DEERFIELD, IL 60015 | UNITEDHEALTHCARE INSURANCE COMPANY | $13K | -$2K | $12K | 0.06% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 3390 UNIVERSITY AVE., SUITE 300 RIVERSIDE, CA 92501 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $158K | — | $158K | 6.94% |
| GLOBAL BENEFITS INC3 | 1512 ARTAIUS PARKWAY STE 101 LIBERTYVILLE, IL 60048 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | — | $6K | $6K | 0.28% |
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 | 0 | 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) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 3,000 | $18.2M |
| Dental | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 4,562 | $2.3M |
| Life insurance | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 4,562 | $2.3M |
| Short-term disability | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 4,562 | $2.3M |
| Long-term disability | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 4,562 | $2.3M |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 3,000 | $18.2M |
| Other | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 4,562 | $2.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,562 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Final-filing indicator set. Plan is winding down; don't waste sales effort here.