| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCS., INC. | 3390 UNIVERSITY AVENUE RIVERSIDE, CA 92501 | AETNA LIFE INSURANCE COMPANY | $164K | $61K | $225K | 2.02% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCS., INC. | 4695 MACARTHUR COURT, SUITE 600 NEWPORT BEACH, CA 92660 | METROPOLITAN LIFE INSURANCE COMPANY | $61K | $21 | $61K | 3.20% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCS., INC. | PO BOX 2158 RIVERSIDE, CA 92516 | METROPOLITAN LIFE INSURANCE COMPANY | $15K | $7K | $21K | 1.13% |
| VERNON W HOLLEMAN JR. & CO.3 Filed as: VERNON W. HOLLEMAN JR. AND COMPANY | 800 EAST CANAL STREET, SUITE 1901 RICHMOND, VA 23219 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $617 | $0 | $617 | 4.12% |
| M FINANCIAL HOLDINGS INC3 Filed as: M FINANCIAL HOLDINGS INC. | 1125 NW COUCH STREET, SUITE 900 PORTLAND, OR 97209 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $0 | $48 | $48 | 0.32% |
| STRATEGIC FINANCIAL PARTNERS3 Filed as: STRATEGIC FINANCIAL PARTNERS LLC | 949 SOUTH SHADY GROVE ROAD MEMPHIS, TN 38120 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $47 | $0 | $47 | 0.31% |
| RUEBEN WARNER ASSOCIATES, INC.3 | 1655 RICHMOND AVENUE STATEN ISLAND, NY 10314 | FEDERAL INSURANCE COMPANY | $0 | $2K | $2K | 20.00% |
| CRYSTAL IBC LLC3 | 101 PARK AVENUE, 12TH FLOOR NEW YORK, NY 10016 | FEDERAL INSURANCE COMPANY | $1K | $0 | $1K | 15.01% |
| FREDRICK SCHAEFFER JR3 Filed as: FREDRICK CHAS SCHAFFER | PO BOX 171368 MEMPHIS, TN 38187 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $325 | $0 | $325 | 4.70% |
| M FINANCIAL HOLDINGS INC3 Filed as: M FINANCIAL HOLDINGS INC. | 1125 NW COUCH STREET, SUITE 900 PORTLAND, OR 97209 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $0 | $18 | $18 | 0.26% |
| JAMES BELK3 Filed as: JAMES P. BELK | 800 EAST CANAL STREET, SUITE 1901 RICHMOND, VA 23219 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $3 | $0 | $3 | 0.04% |
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 | 859 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 21 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 880 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 1,584 | $11.1M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 1,709 | $1.9M |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 1,709 | $1.9M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 1,709 | $1.9M |
| Short-term disability(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,709 | $1.9M |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 1,709 | $1.9M |
| Prescription drug | AETNA LIFE INSURANCE COMPANY | 1,584 | $11.1M |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,709 | $1.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,709 | — |
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.