| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL TEXAS, INC. | 3221 COLLINSWORTH STREET FORT WORTH, TX 76107 | STARMOUNT LIFE INSURANCE COMPANY | $14K | $0 | $14K | 10.48% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL TEXAS, INC. | 2924 KNIGHT STREET, SUITE 370 SHREVEPORT, LA 71105 | STARMOUNT LIFE INSURANCE COMPANY | $0 | $5K | $5K | 3.57% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL TEXAS INC. | 421 WEST THIRD STREET, SUITE 800 FORT WORTH, TX 76102 | NATIONAL HEALTH INSURANCE COMPANY | $5K | $0 | $5K | 3.95% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL TEXAS INC | 601 NORTH MESA STREET, SUITE 1550 EL PASO, TX 79901 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $19K | $0 | $19K | 15.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL TEXAS INC | 10000 NORTH CENTRAL EXPRESSWAY SUITE 1200 DALLAS, TX 75231 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $9K | $9K | 7.57% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL TEXAS INC | UNKNOWN MARSHALL, TX 75670 | COMBINED INSURANCE COMPANY OF AMERICA | $6K | $0 | $6K | 21.86% |
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 | 335 | 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) | 335 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | NATIONAL HEALTH INSURANCE COMPANY | 22 | $129K |
| Dental | STARMOUNT LIFE INSURANCE COMPANY | 265 | $133K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 265 | $133K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 126 | $125K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 126 | $125K |
| Prescription drug | NATIONAL HEALTH INSURANCE COMPANY | 22 | $129K |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 151 | $153K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 265 | — |
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.