| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB HEARTLAND, LLC | 8044 MONTGOMERY RD STE 640 CINCINNATI, OH 452362950 | UNITEDHEALTHCARE INSURANCE COMPANY | $16K | $39K | $55K | 2.57% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 8044 MONTGOMERY RD STE 640 CINCINNATI, OH 452362950 | UNITEDHEALTHCARE INSURANCE COMPANY | — | -$60 | -$60 | -0.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 8044 MONTGOMERY RD STE 640 CINCINNATI, OH 45236 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $4K | $8K | 11.85% |
| WATCHTOWER BENEFITS, LLC5 | 227 W MONROE ST STE 5200 CHICAGO, IL 60606 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $1K | $1K | 1.50% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 8044 MONTGOMERY RD STE 640 CINCINNATI, OH 45236 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $3K | $7K | 14.77% |
| WATCHTOWER BENEFITS, LLC3 | 227 W MONROE ST STE 5200 CHICAGO, IL 60606 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $728 | $728 | 1.50% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 8044 MONTGOMERY RD STE 640 CINCINNATI, OH 45236 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $3K | $6K | 14.23% |
| WATCHTOWER BENEFITS, LLC3 | 227 W MONROE ST STE 5200 CHICAGO, IL 60606 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $677 | $677 | 1.50% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 8044 MONTGOMERY RD STE 640 CINCINNATI, OH 45236 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $2K | $7K | 20.18% |
| WATCHTOWER BENEFITS, LLC3 | 227 W MONROE ST STE 5200 CHICAGO, IL 60606 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $488 | $488 | 1.50% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 8044 MONTGOMERY RD STE 640 CINCINNATI, OH 45236 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $727 | $3K | 25.67% |
| WATCHTOWER BENEFITS, LLC5 | 227 W MONROE ST STE 5200 CHICAGO, IL 60606 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $192 | $192 | 1.50% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 8044 MONTGOMERY RD STE 640 CINCINNATI, OH 45236 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $676 | $3K | 25.62% |
| WATCHTOWER BENEFITS, LLC5 | 227 W MONROE ST STE 5200 CHICAGO, IL 60606 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $180 | $180 | 1.50% |
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 | 212 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 214 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 491 | $2.1M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 491 | $2.1M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 491 | $2.1M |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 208 | $78K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 208 | $70K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 208 | $49K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 491 | $2.1M |
| Other(5 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 491 | $2.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 491 | — |
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.