| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 | 8044 MONTGOMERY ROAD STE 640 CINCINNATI, OH 452362950 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | — | $2K | 5.52% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL LIMITED | 150 N RIVERSIDE PLZ STE 1700 CHICAGO, IL 606061572 | PRINCIPAL LIFE INSURANCE COMPANY | — | $858 | $858 | 2.98% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB HEARTLAND LLC | 8044 MONTGOMERY RD CINCINNATI, OH 452362919 | PRINCIPAL LIFE INSURANCE COMPANY | $267 | — | $267 | 0.93% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 8044 MONTGOMERY ROAD STE 640 CINCINNATI, OH 452362950 | PRINCIPAL LIFE INSURANCE COMPANY | $3K | — | $3K | 11.47% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL LIMITED | 150 N RIVERSIDE PLZ STE 1700 CHICAGO, IL 606061572 | PRINCIPAL LIFE INSURANCE COMPANY | — | $706 | $706 | 2.89% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB HEARTLAND LLC | 8044 MONTGOMERY ROAD CINCINNATI, OH 452362919 | PRINCIPAL LIFE INSURANCE COMPANY | $563 | — | $563 | 2.31% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 8044 MONTGOMERY ROAD STE 640 CINCINNATI, OH 452362950 | PRINCIPAL LIFE INSURANCE COMPANY | $1K | — | $1K | 6.11% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL LIMITED | 150 N RIVERSIDE PLZ STE 1700 CHICAGO, IL 606061572 | PRINCIPAL LIFE INSURANCE COMPANY | — | $541 | $541 | 2.96% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB HEARTLAND LLC | 8044 MONTGOMERY ROAD CINCINNATI, OH 452362919 | PRINCIPAL LIFE INSURANCE COMPANY | $232 | — | $232 | 1.27% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 8044 MONTGOMERY ROAD STE 640 CINCINNATI, OH 452362950 | PRINCIPAL LIFE INSURANCE COMPANY | $906 | — | $906 | 6.03% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL LIMITED | 150 N RIVERSIDE PLZ STE 1700 CHICAGO, IL 606061572 | PRINCIPAL LIFE INSURANCE COMPANY | — | $451 | $451 | 3.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB HEARTLAND LLC | 8044 MONTGOMERY ROAD CINCINNATI, OH 452362919 | PRINCIPAL LIFE INSURANCE COMPANY | $199 | — | $199 | 1.32% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 8044 MONTGOMERY ROAD SUITE 640 CINCINNATI, OH 452362950 | PRINCIPAL LIFE INSURANCE COMPANY | $779 | — | $779 | 7.67% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL LIMITED | 150 N. RIVERSIDE PLZ STE 1700 CHICAGO, IL 606061572 | PRINCIPAL LIFE INSURANCE COMPANY | — | $300 | $300 | 2.96% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB HEARTLAND LLC | 8044 MONTGOMERY ROAD CINCINNATI, OH 452362919 | PRINCIPAL LIFE INSURANCE COMPANY | $157 | — | $157 | 1.55% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 8044 MONTGOMERY ROAD STE 640 CINCINNATI, OH 452362950 | PRINCIPAL LIFE INSURANCE COMPANY | $426 | — | $426 | 7.66% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL LIMITED | 150 N RIVERSIDE PLZ STE 1700 CHICAGO, IL 606061572 | PRINCIPAL LIFE INSURANCE COMPANY | — | $166 | $166 | 2.99% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB HEARTLAND LLC | 8044 MONTGOMERY ROAD CINCINNATI, OH 452362919 | PRINCIPAL LIFE INSURANCE COMPANY | $86 | — | $86 | 1.55% |
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 | 110 | 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) | 110 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 99 | $29K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 88 | $6K |
| Life insurance(2 contracts) | PRINCIPAL LIFE INSURANCE COMPANY | 110 | $35K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 40 | $18K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 29 | $15K |
| Other | PRINCIPAL LIFE INSURANCE COMPANY | 110 | $10K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 110 | — |
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.
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.