| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCES., INC. | 10000 NORTH CENTRAL EXPRESSWAY SUITE 1100 DALLAS, TX 75231 | AETNA LIFE INSURANCE COMPANY | $12K | $74K | $86K | 3.50% |
| INSURANCE PARTNERS SOUTHWEST3 | 10000 NORTH CENTRAL EXPRESSWAY SUITE 1100 DALLAS, TX 75231 | AETNA LIFE INSURANCE COMPANY | $1K | $18K | $20K | 0.80% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC. | 5850 GRANITE PARKWAY, SUITE 350 PLANO, TX 75024 | AETNA LIFE INSURANCE COMPANY | $2K | $16K | $19K | 0.76% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCES., INC. | 10777 WESTHEIMER HOUSTON, TX 77042 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $11K | $0 | $11K | 16.89% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCES., INC. | PO BOX 53109 SHREVEPORT, LA 71135 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $1K | $1K | 2.25% |
| DEBORAH L. OLSON3 | 6909 PORTOBELLO DRIVE PLANO, TX 75024 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $2K | $4K | 12.25% |
| DEACON CHARLES KAVANAUGH3 | 6336 HILL CREEK DRIVE THE COLONY, TX 75056 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $597 | $3K | 9.84% |
| MPART BENEFITS INC3 | 4621 GLEN HEATHER DRIVE FRISCO, TX 75034 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $1K | $3K | 8.44% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCES., INC. | 10000 NORTH CENTRAL EXPRESSWAY SUITE 1100 DALLAS, TX 75231 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $569 | $3K | 8.20% |
| KALEB OGOLINI3 Filed as: KALEB IGOLINI | 2709 SOUTH HILLBRIER CIRCLE PLANO, TX 75075 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $116 | $2K | 6.89% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC. | 5850 GRANITE PARKWAY, SUITE 350 PLANO, TX 75024 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $403 | $22 | $425 | 1.38% |
| MJ INSURANCE3 Filed as: TONY HALL AND VARIOUS AGENTS | PO BOX 3397 CEDAR HILL, TX 75106 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $94 | $5 | $99 | 0.32% |
| INSURANCE PARTNERS SOUTHWEST3 | 10000 NORTH CENTRAL EXPRESSWAY SUITE 1100 DALLAS, TX 75231 | UNITEDHEALTHCARE INSURANCE COMPANY | $2K | $0 | $2K | 7.65% |
| HAYS COMPANIES, INC.3 Filed as: HAYS COMPANIES INC. | 5850 GRANITE PARKWAY, SUITE 350 PLANO, TX 75024 | UNITEDHEALTHCARE INSURANCE COMPANY | $499 | $0 | $499 | 2.35% |
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 | 269 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 269 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 436 | $2.5M |
| Dental | AETNA LIFE INSURANCE COMPANY | 436 | $2.5M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 393 | $21K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 505 | $64K |
| Short-term disability | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 56 | $31K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 505 | $64K |
| Prescription drug | AETNA LIFE INSURANCE COMPANY | 436 | $2.5M |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 505 | $95K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 505 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.