| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 1000 N CENTRAL EXPY STE 1100 DALLAS, TX 752312313 | CIGNA HEALTH AND LIFE INSURANCE COMP. | $110K | — | $110K | 10.07% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA EIN 59-1031071 CLAIMS PROCESSING | Plan Administrator Service code 14 | — | $308K |
| ALLIED BENEFIT SYSTEMS, INC EIN 36-3086057 CLAIMS PROCESSING | Claims processing; Plan Administrator Service code 12 | — | $63K |
| HUSELTON, MORGAN & MAULTSBY, PC EIN 75-2409112 ACCOUNTANT | Accounting (including auditing) Service code 10 | — | $20K |
| STERLING HEALTH SERVICES, INC EIN 84-1637046 FORM 1095 CONSULTANT | Other fees Service code 99 | — | $13K |
| BANK OF TEXAS BANK | Other fees Service code 99 | BANK OF OKLAHOMA TOWER TULSA, OK 74172 | $10K |
| FLORES AND ASSOCIATES EIN 56-1542307 CONSULTANT | Other services Service code 49 | — | $8K |
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 | 306 | 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) | 306 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMP. | 306 | $1.1M |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMP. | 306 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 306 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.