| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED Filed as: BENEFIT COMMERCE GROUP LLC | 14300 N NORTHSIGHT BLVD STE 221 SCOTTSDALE, AZ 85260 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $2K | $2K | 0.73% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BENEFIT COMMERCE GROUP LLC | 14300 N NORTHSIGHT BLVD SUITE 221 SCOTTSDALE, AZ 85260 | SUN LIFE ASSURANCE COMPANY OF CANADA | $5K | $810 | $6K | 12.54% |
| 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 | $5K | $1K | $6K | 17.76% |
| LOCKTON COMPANIES, LLC Filed as: LOCKTON COMPANIES LLC | PO BOX 173850 DENVER, CO 80217 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $253 | $81 | $334 | 0.99% |
| NATIONAL BENEFIT CENTER | 6830 COCHRAN RD SOLON, OH 44139 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $216 | $216 | 0.64% |
| 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 | $2K | $250 | $2K | 16.94% |
| NATIONAL BENEFIT CENTER | 6830 COCHRAN ROAD SOLON, OH 44139 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $259 | $259 | 2.00% |
| LOCKTON COMPANIES, LLC Filed as: LOCKTON COMPANIES LLC | PO BOX 173850 DENVER, CO 80217 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $39 | $39 | 0.30% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BENEFIT COMMERCE GROUP LLC | 14300 N NORTHSIGHT BLVD SUITE 221 SCOTTSDALE, AZ 852603677 | HM LIFE INSURANCE COMPANY | $869 | $0 | $869 | 10.00% |
| HUB INTERNATIONAL MIDWEST LIMITED Filed as: BENEFIT COMMERCE GROUP LLC | 14300 N NORTHSIGHT BLVD SUITE 221 SCOTTSDALE, AZ 85260 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $156 | $2K | 31.13% |
| NATIONAL BENEFIT CENTER | 6830 COCHRAN RD SOLON, OH 44139 | LIFE INSURANCE COMPANY OF NORTH AMERICA | -$10 | $459 | $449 | 5.91% |
| HUB INTERNATIONAL MIDWEST LIMITED Filed as: BENEFIT COMMERCE GROUP LLC | 14300 N NORTHSIGHT BLVD SUITE 221 SCOTTSDALE, AZ 85260 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $337 | $1K | 19.74% |
| NATIONAL BENEFIT CENTER | 6830 COCHRAN RD SOLON, OH 44139 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $142 | $142 | 1.99% |
| LOCKTON COMPANIES, LLC Filed as: LOCKTON COMPANIES LLC | PO BOX 173850 DENVER, CO 80217 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $43 | $43 | 0.60% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BENEFIT COMMERCE GROUP LLC | 14300 N NORTHSIGHT BLVD SUITE 221 SCOTTSDALE, AZ 85260 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO. | $338 | $0 | $338 | 9.70% |
| 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 | $238 | $28 | $266 | 16.75% |
| NATIONAL BENEFIT CENTER | 6830 COCHRAN ROAD SOLON, OH 44139 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $32 | $32 | 2.02% |
| LOCKTON COMPANIES, LLC Filed as: LOCKTON COMPANIES LLC | PO BOX 173850 DENVER, CO 80217 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $4 | $4 | 0.25% |
| 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 | $24 | $9 | $33 | 13.92% |
| NATIONAL BENEFIT CENTER | 6830 COCHRAN RD SOLON, OH 44139 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $1 | $2 | $3 | 1.27% |
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 | 144 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 147 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 117 | $233K |
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 95 | $50K |
| Vision | HM LIFE INSURANCE COMPANY | 79 | $9K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $13K |
| Short-term disability(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $34K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $7K |
| Other(4 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 435 | $17K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 435 | — |
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.