| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 | 655 FOX RUN RD STE A FINDLAY, OH 45840 | STARMOUNT LIFE INSURANCE COMPANY | $5K | $7K | $11K | 4.88% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 655 FOX RUN RD STE A FINDLAY, OH 45840 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $31K | $8K | $39K | 18.88% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 655 FOX RUN RD STE A FINDLAY, OH 45840 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $21K | $5K | $26K | 18.60% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD. | 655 FOX FUN ROAD SUITE A FINDLAY, OH 45840 | GUARDIAN | — | $18K | $18K | 47.44% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB HEARTLAND, LLC | 8044 MONTGOMERY RD SUITE 640 CINCINNATI, OH 45227 | GUARDIAN | $2K | — | $2K | 6.27% |
| WATCHTOWER BENEFITS, LLC3 Filed as: WATCHTOWER BENEFITS LLC | 2734 N MILDRED AVE #3 CHICAGO, IL 60618 | GUARDIAN | $568 | — | $568 | 1.50% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD. | 655 FOX FUN ROAD SUITE A FINDLAY, OH 45840 | GUARDIAN | -$224 | — | -$224 | -0.59% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 655 FOX RUN RD STE A FINDLAY, OH 45840 | UNUM INSURANCE COMPANY | $7K | $1K | $8K | 22.97% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 150 N RIVERSIDE PLZ, 17TH F CHICAGO, IL 60606 | UNUM INSURANCE COMPANY | — | $8 | $8 | 0.02% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 655 FOX RUN RD STE A FINDLAY, OH 45840 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $1K | $4K | 14.74% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 655 FOX RUN RD STE A FINDLAY, OH 45840 | UNUM INSURANCE COMPANY | $5K | $750 | $6K | 23.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 150 N RIVERSIDE PLZ, 17TH F CHICAGO, IL 60606 | UNUM INSURANCE COMPANY | — | $8 | $8 | 0.03% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 655 FOX RUN RD STE A FINDLAY, OH 45840 | UNUM INSURANCE COMPANY | $3K | $503 | $4K | 22.98% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 150 N RIVERSIDE PLAZA 17TH F CHICAGO, IL 60606 | UNUM INSURANCE COMPANY | $0 | $4 | $4 | 0.02% |
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 | 149 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | 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 |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | STARMOUNT LIFE INSURANCE COMPANY | 311 | $267K |
| Vision | GUARDIAN | 282 | $38K |
| Life insurance(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 448 | $202K |
| Short-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 282 | $242K |
| Long-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 282 | $242K |
| Other(6 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 448 | $279K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 448 | — |
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.