| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BLACK GOULD & ASSOC INC | 3800 N CENTRAL AVE 9TH FLOOR PHOENIX, AZ 85012 | EDUCATORS HEALTH PLANS LIFE, ACCIDENT AND HEALTH, INC | $38K | — | $38K | 3.50% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BLACK GOULD & ASSOC INC | 3800 N CENTRAL AVE 9TH FLOOR PHOENIX, AZ 85012 | EDUCATORS HEALTH PLANS LIFE, ACCIDENT AND HEALTH, INC | $6K | — | $6K | 5.49% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BLACK GOULD & ASSOC INC | 3800 N CENTRAL AVE 9TH FL PHOENIX, AZ 85012 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $1K | $3K | 14.35% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BLACK GOULD & ASSOC INC | 3800 N CENTRAL AVE 9TH FLOOR PHOENIX, AZ 85012 | VISION SERVICE PLAN | $1K | — | $1K | 5.50% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BLACK GOULD & ASSOC INC | 3800 N CENTRAL AVE FL 9 PHOENIX, AZ 85012 | UNITED OF MUTUAL OF OMAHA LIFE INSURANCE COMPANY | $2K | $841 | $3K | 15.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BLACK GOULD & ASSOC INC | 3800 N CENTRAL AVE 9TH FL PHOENIX, AZ 85012 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $721 | $3K | 20.01% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BLACK GOULD & ASSOC INC | 3800 N CENTRAL AVE 9TH FL PHOENIX, AZ 85012 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $535 | $2K | 20.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BLACK GOULD & ASSOC INC | 3800 N CENTRAL AVE FL 9 PHOENIX, AZ 85012 | UNITED OF MUTUAL OF OMAHA LIFE INSURANCE COMPANY | $1K | $403 | $2K | 20.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BLACK GOULD & ASSOC INC | 3800 N CENTRAL AVE FL 9 PHOENIX, AZ 85012 | UNITED OF MUTUAL OF OMAHA LIFE INSURANCE COMPANY | $120 | $60 | $180 | 15.06% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BLACK GOULD & ASSOC INC | 3800 N CENTRAL AVE 9TH FL PHOENIX, AZ 85012 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $93 | $46 | $139 | 14.99% |
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 | 215 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 215 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EDUCATORS HEALTH PLANS LIFE, ACCIDENT AND HEALTH, INC | 147 | $1.1M |
| Dental | EDUCATORS HEALTH PLANS LIFE, ACCIDENT AND HEALTH, INC | 158 | $102K |
| Vision | VISION SERVICE PLAN | 133 | $19K |
| Life insurance(2 contracts, 2 carriers) | UNITED OF MUTUAL OF OMAHA LIFE INSURANCE COMPANY | 215 | $2K |
| Long-term disability(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 215 | $19K |
| Other(5 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 216 | $56K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 216 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.