| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCS., INC. | 3390 UNIVERSITY AVENUE, SUITE 300 RIVERSIDE, CA 92501 | AETNA LIFE INSURANCE COMPANY | $24K | $56K | $80K | 0.45% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCS., INC. | PO BOX 2158 RIVERSIDE, CA 92516 | METROPOLITAN LIFE INSURANCE COMPANY | $27K | $70K | $97K | 8.44% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCS., INC. | 4695 MACARTHUR COURT, SUITE 600 NEWPORT BEACH, CA 92660 | METROPOLITAN LIFE INSURANCE COMPANY | $949 | $118 | $1K | 0.09% |
| 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 | $622 | $0 | $622 | 3.86% |
| M FINANCIAL HOLDINGS INC3 Filed as: M FINANCIAL HOLDINGS INC. | 1125 NORTHWEST COUCH STREET SUITE 900 PORTLAND, OR 97209 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $0 | $50 | $50 | 0.31% |
| 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 JR, FREDERICK C3 Filed as: SCHAEFFER, FREDERICK, CHASE | PO BOX 171368 MEMPHIS, TN 38187 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $217 | $0 | $217 | 3.00% |
| M FINANCIAL HOLDINGS INC3 Filed as: M FINANCIAL HOLDINGS INC. | 1125 NORTHWEST COUCH STREET SUITE 900 PORTLAND, OR 97209 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $0 | $15 | $15 | 0.21% |
| VERNON W HOLLEMAN JR. & CO.3 Filed as: VERNON W. HOLLEMAN | 800 EAST CANAL STREET, SUITE 1901 RICHMOND, VA 23219 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $1 | $0 | $1 | 0.01% |
| JAMES BELK3 Filed as: JAMES P. BELK | 800 EAST CANAL STREET SUITE 1901 RICHMOND, VA 23219 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $0 | $0 | $0 | 0.00% |
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 | 921 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 28 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 949 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 2,174 | $18.0M |
| Dental | AETNA LIFE INSURANCE COMPANY | 2,174 | $18.0M |
| Vision | AETNA LIFE INSURANCE COMPANY | 2,174 | $18.0M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 1,623 | $1.2M |
| Short-term disability(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,623 | $1.2M |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 1,623 | $1.2M |
| Prescription drug | AETNA LIFE INSURANCE COMPANY | 2,174 | $18.0M |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 1,623 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,174 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.