| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCS., INC. | 3390 UNIVERSITY AVENUE CHICAGO, IL 92501 | AETNA LIFE INSURANCE COMPANY | $238K | $26K | $263K | 2.06% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCS., INC. | PO BOX 2158 RIVERSIDE, CA 92516 | METROPOLITAN LIFE INSURANCE COMPANY | $19K | $69K | $88K | 4.36% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCS., INC. | 4695 MACARTHUR COURT, SUITE 600 NEWPORT BEACH, CA 92660 | METROPOLITAN LIFE INSURANCE COMPANY | $10K | $90 | $11K | 0.53% |
| VERNON W HOLLEMAN JR. & CO.3 Filed as: VERNON W HOLLEMAN JR & CO | 800 EAST CANAL STREET, SUITE 1901 RICHMOND, VA 23219 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $641 | $0 | $641 | 3.96% |
| M FINANCIAL HOLDINGS INC3 | 1125 NORTHWEST COUCH STREET SUITE 900 PORTLAND, OR 97209 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $0 | $51 | $51 | 0.32% |
| STRATEGIC FINANCIAL PARTNERS3 Filed as: STRATEGIC FINANCIAL PARTNERS LLC | 949 SOUTH SHADY GROVE ROAD SUITE 300 MEMPHIS, TN 38120 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $33 | $0 | $33 | 0.20% |
| SCHAEFFER, FREDERICK CHAS3 Filed as: SCHAEFFER, FREDERICK, CHAS | PO BOX 171368 MEMPHIS, TN 38187 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $223 | $0 | $223 | 3.10% |
| M FINANCIAL HOLDINGS INC3 | 1125 NORTHWEST COUCH STREET SUITE 900 PORTLAND, OR 97209 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $0 | $14 | $14 | 0.19% |
| JAMES BELK3 Filed as: JAMES P. BELK | 800 EAST CANAL STREET, SUITE 1901 RICHMOND, VA 23219 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $1 | $0 | $1 | 0.01% |
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 | 969 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 22 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 991 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 1,773 | $12.8M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 1,915 | $2.0M |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 1,915 | $2.0M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 1,915 | $2.0M |
| Short-term disability(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,915 | $2.0M |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 1,915 | $2.0M |
| Prescription drug | AETNA LIFE INSURANCE COMPANY | 1,773 | $12.8M |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 1,915 | $2.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,915 | — |
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.