| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC | PO BOX 173850 DENVER, CO 80217 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $22K | $0 | $22K | 10.71% |
| LOCKTON COMPANIES, LLC | NOT PROVIDED SCOTTSDALE, AZ 85254 | UNITED CONCORDIA INSURANCE COMPANY | $7K | — | $7K | 9.90% |
| LOCKTON COMPANIES, LLC | PO BOX 173850 DENVER, CO 80217 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $0 | $4K | 8.15% |
| HUB INTERNATIONAL MIDWEST LIMITED Filed as: BENEFIT COMMERCE GROUP, LLC | 14300 N NORTHSIGHT BLVD STE 221 SCOTTSDALE, AZ 85260 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $0 | $3K | 6.80% |
| LOCKTON COMPANIES, LLC | PO BOX 173850 DENVER, CO 80217 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $0 | $2K | 9.14% |
| HUB INTERNATIONAL MIDWEST LIMITED Filed as: BENEFIT COMMERCE GROUP, LLC | 14300 N NORTHSIGHT BLVD STE 221 SCOTTSDALE, AZ 85260 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $0 | $1K | 5.86% |
| LOCKTON COMPANIES, LLC | PO BOX 173850 DENVER, CO 80217 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 9.20% |
| HUB INTERNATIONAL MIDWEST LIMITED Filed as: BENEFIT COMMERCE GROUP, LLC | 14300 N NORTHSIGHT BLVD STE 221 SCOTTSDALE, AZ 85260 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 5.80% |
| LOCKTON COMPANIES, LLC3 | PO BOX 173850 DENVER, CO 80217 | HM LIFE INSURANCE COMPANY | $467 | $0 | $467 | 6.16% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BENEFIT COMMERCE GROUP, LLC | 14300 N NORTHSIGHT BLVD STE 221 SCOTTSDALE, AZ 85260 | HM LIFE INSURANCE COMPANY | $291 | $0 | $291 | 3.84% |
| HUB INTERNATIONAL MIDWEST LIMITED Filed as: BENEFIT COMMERCE GROUP, LLC | 14300 N NORTHSIGHT BLVD STE 221 SCOTTSDALE, AZ 85260 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $408 | — | $408 | 6.68% |
| LOCKTON COMPANIES, LLC | PO BOX 173850 DENVER, CO 80217 | LIFE INSURANCE COMPANY OF NORTH AMERICA | -$18 | — | -$18 | -0.29% |
| HUB INTERNATIONAL MIDWEST LIMITED Filed as: BENEFIT COMMERCE GROUP, LLC | 14300 N NORTHSIGHT BLVD STE 221 SCOTTSDALE, AZ 85260 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $221 | $0 | $221 | 6.68% |
| LOCKTON COMPANIES, LLC | PO BOX 173850 DENVER, CO 80217 | LIFE INSURANCE COMPANY OF NORTH AMERICA | -$11 | $0 | -$11 | -0.33% |
| LOCKTON COMPANIES, LLC3 | PO BOX 173850 DENVER, CO 80217 | METLIFE LEGAL PLANS | $147 | $18 | $165 | 6.55% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BENEFIT COMMERCE GROUP, LLC | 14300 N NORTHSIGHT BLVD STE 221 SCOTTSDALE, AZ 85260 | METLIFE LEGAL PLANS | $76 | $0 | $76 | 3.02% |
| LOCKTON COMPANIES, LLC | PO BOX 173850 DENVER, CO 80217 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $163 | $0 | $163 | 8.60% |
| HUB INTERNATIONAL MIDWEST LIMITED Filed as: BENEFIT COMMERCE GROUP, LLC | 14300 N NORTHSIGHT BLVD STE 221 SCOTTSDALE, AZ 85260 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $121 | $0 | $121 | 6.39% |
| HUB INTERNATIONAL MIDWEST LIMITED Filed as: BENEFIT COMMERCE GROUP, LLC | 14300 N NORTHSIGHT BLVD STE 221 SCOTTSDALE, AZ 85260 | CIGNA LIFE INSURANCE CO OF NEW YORK | $22 | $0 | $22 | 10.19% |
| LOCKTON COMPANIES, LLC | PO BOX 173850 DENVER, CO 80217 | CIGNA LIFE INSURANCE CO OF NEW YORK | $0 | $2 | $2 | 0.93% |
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 | 147 | 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) | 149 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 129 | $209K |
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 220 | $66K |
| Vision | HM LIFE INSURANCE COMPANY | 85 | $8K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $20K |
| Short-term disability(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $45K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $25K |
| Other(5 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 8 | $18K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 220 | — |
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.