| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 | 12260 INTRAPLEX PKWY GULFPORT, MS 39503 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $2K | $8K | 18.51% |
| PAYCOM PAYROLL LLC5 Filed as: PAYCOM PAYROLL, LLC | 7501 W. MEMORIAL RD. OKLAHOMA CITY, OK 73142 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 5.20% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 12260 GULFPORT, MS 39503 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $882 | $5K | 18.63% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 12260 INTRAPLEX PKWY GULFPORT, MS 39503 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $929 | $5K | 18.83% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 12260 INTRAPLEX PKWY GULFPORT, MS 39503 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $719 | $4K | 18.31% |
| PAYCOM PAYROLL LLC5 Filed as: PAYCOM PAYROLL, LLC | 7501 W. MEMORIAL RD. OKLAHOMA CITY, OK 73142 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 10.36% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 12260 INTRAPLEX PKWY GULFPORT, MS 39503 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $454 | $2K | 20.00% |
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 | 363 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 363 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 363 | $65K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 111 | $24K |
| Long-term disability(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 162 | $33K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 363 | $65K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 363 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.