| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB HEARTLAND, LLC | 8044 MONTGOMERY RD STE 640 CINCINNATI, OH 452362950 | UNITEDHEALTHCARE INSURANCE COMPANY | $31K | — | $31K | 2.18% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 701 B ST FL 6 SAN DIEGO, CA 921018156 | UNITEDHEALTHCARE INSURANCE COMPANY | $11K | — | $11K | 0.80% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 8044 MONTGOMERY RD STE 640 CINCINNATI, OH 452362950 | UNITEDHEALTHCARE INSURANCE COMPANY | $4K | — | $4K | 0.27% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB - HEARTLAND | 8044 MONTGOMERY RD STE 640 CINCINNATI, OH 452362950 | PRINCIPAL LIFE INSURANCE COMPANY | $11K | — | $11K | 5.54% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 101 PARK AVE NEW YORK, NY 101780002 | PRINCIPAL LIFE INSURANCE COMPANY | $5K | — | $5K | 2.38% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL LIMITED | 150 N RIVERSIDE PLZ STE 1700 CHICAGO, IL 606061572 | PRINCIPAL LIFE INSURANCE COMPANY | — | $4K | $4K | 2.05% |
| CENTRO BENEFITS RESEARCH LLC3 | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 303395946 | PRINCIPAL LIFE INSURANCE COMPANY | — | $3K | $3K | 1.67% |
| WATCHTOWER BENEFITS, LLC3 | 306 W ERIE ST STE 300 CHICAGO, IL 606544007 | PRINCIPAL LIFE INSURANCE COMPANY | — | $2K | $2K | 1.10% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | DBA HO 8044 MONTGOMERY ROAD SUITE 640 CINCINNATI, OH 45236 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $302 | — | $302 | 2.99% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | METLIFE LEGAL PLANS | — | $10 | $10 | 0.31% |
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 | 173 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 23 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 196 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 241 | $1.4M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 296 | $190K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 218 | $10K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 296 | $190K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 296 | $190K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 296 | $190K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 241 | $1.4M |
| Other(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 296 | $194K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 296 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.