| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NW LLC | 12100 NE 195TH STREET SUITE 200 BOTHELL, WA 98041 | REGENCE BLUE SHIELD | $34K | $2K | $36K | 5.27% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MOUNTAIN STATES | PO BOX 2158 RIVERSIDE, CA 925162158 | MEDICA INSURANCE COMPANY | $4K | — | $4K | 2.80% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | PO BOX 2158 RIVERSIDE, CA 925162158 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $55 | $4K | 5.03% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 16523 COLLECTION CENTER DRIVE 40 W MADISON 4TH FLOOR CHICAGO, IL 606930162 | METROPOLITAN LIFE INSURANCE COMPANY | — | $1K | $1K | 1.56% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL SOUTHEAST | 2430 MALL DRIVE SUITE 280 CHARLETON, NC 29406 | UNUM LIFE INSURANCE COMPANY | $3K | $140 | $3K | 15.75% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL SOUTHEAST | 2430 MALL DR SUITE 280 CHARLESTON, SC 29406 | UNUM LIFE INSURANCE COMPANY | $2K | $119 | $3K | 15.75% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL LIMITED | 1001 MOREHEAD SQUARE DRIVE CHARLOTTE, NC 28203 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $939 | — | $939 | 10.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST | PO BOX 939 BURLINGTON, NC 27216 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $473 | $4K | 49.25% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL SOUTHEAST | 2430 MALL DR SUITE 280 CHARLESTON, NC 29406 | UNUM LIFE INSURANCE COMPANY | $955 | $48 | $1K | 15.76% |
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 | 176 | 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) | 178 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | REGENCE BLUE SHIELD | 119 | $814K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 205 | $74K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 149 | $9K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY | 149 | $22K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY | 43 | $19K |
| Other(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY | 149 | $30K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 205 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.