| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 | 1661 INTERNATIONAL DR STE 300 MEMPHIS, TN 38120 | PRINCIPAL LIFE INSURANCE COMPANY | $21K | — | $21K | 12.75% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL LIMITED | 150 N RIVERSIDE PLZ STE 1700 CHICAGO, IL 60606 | PRINCIPAL LIFE INSURANCE COMPANY | — | $5K | $5K | 2.97% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 3011 ARMORY DR NASHVILLE, TN 37204 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 11.60% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 12260 INTRAPLEX PKWY GULFPORT, MS 39503 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $930 | $930 | 6.87% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 12260 INTRAPLEX PKWY GULFPORT, MS 39503 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $459 | — | $459 | 3.39% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED | Insurance agents and brokers Service code 22 | 1661 INTERNATIONAL DR STE 300 MEMPHIS, TN 38120 | $21K |
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 | 468 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 468 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 314 | $163K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 314 | $163K |
| Life insurance(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 467 | $176K |
| Other(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 467 | $176K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 467 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.