| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | P.O. BOX 2158 RIVERSIDE, CA 925162158 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $21 | $3K | 5.14% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 16253 COLLECTION CENTER DRIVE 40 W MADISON , 4TH FLOOR, BOA CHICAGO, IL 606930162 | METROPOLITAN LIFE INSURANCE COMPANY | — | $998 | $998 | 1.55% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 333 N GREENE STREET SUITE 101 GREENSBORO, NC 27401 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $10K | $1K | $11K | 17.32% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL SOUTHEAST | 8081 ARCO CORPORATE DRIVE SUITE 10 RALEIGH, NC 27617 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $295 | $4K | 16.89% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | EMPLOYEE BENEFITS DEPARTMENT 55 E JACKSON BOULEVARD, #14A CHICAGO, IL 60604 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | — | $0 | 0.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL SOUTHEAST | 8081 ARCO CORPORATE DRIVE SUITE 10 RALEIGH, NC 27617 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $252 | $3K | 16.28% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | EMPLOYEE BENEFITS DEPARTMENT 55 E JACKSON BOULEVARD, #14A CHICAGO, IL 60604 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | — | $0 | 0.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST DBA | HUB INTERNATIONAL SOUTHEAST P.O. BOX 939 BURLINGTON, NC 27216 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $414 | $4K | 25.03% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LIMITED - | HQ EMPLOYEE BENEFITS DEPARTMENT 55 E JACKSON BOULEVARD, #14A CHICAGO, IL 60604 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | — | $0 | 0.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL LIMITED | 1001 MOREHEAD SQUARE DRIVE CHARLOTTE, NC 28203 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $1K | — | $1K | 10.03% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL SOUTHEAST | 8081 ARCO CORPORATE DRIVE SUITE 10 RALEIGH, NC 27617 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $920 | $76 | $996 | 16.45% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | EMPLOYEE BENEFITS DEPARTMENT 55 E JACKSON BOULEVARD, #14A CHICAGO, IL 60604 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | — | $0 | 0.00% |
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 | 108 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 108 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 186 | $65K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 144 | $11K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 161 | $6K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 100 | $63K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 50 | $23K |
| Other(3 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 161 | $44K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 186 | — |
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.