| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB - HEARTLAND | 8044 MONTGOMERY RD STE 640 CINCINNATI, OH 452362950 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | — | $2K | 7.64% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL LIMITED | 150 N RIVERSIDE PLZ STE 1700 CHICAGO, IL 606061572 | PRINCIPAL LIFE INSURANCE COMPANY | — | $831 | $831 | 3.44% |
| CENTRO BENEFITS RESEARCH LLC3 | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 303395946 | PRINCIPAL LIFE INSURANCE COMPANY | — | $540 | $540 | 2.24% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB - HEARTLAND | 8044 MONTGOMERY RD STE 640 CINCINNATI, OH 452362950 | PRINCIPAL LIFE INSURANCE COMPANY | $3K | — | $3K | 16.55% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL LIMITED | 150 N RIVERSIDE PLZ STE 1700 CHICAGO, IL 606061572 | PRINCIPAL LIFE INSURANCE COMPANY | — | $678 | $678 | 3.59% |
| CENTRO BENEFITS RESEARCH LLC3 | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 303395946 | PRINCIPAL LIFE INSURANCE COMPANY | — | $482 | $482 | 2.55% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB - HEARTLAND | 8044 MONTGOMERY RD STE 640 CINCINNATI, OH 452362950 | PRINCIPAL LIFE INSURANCE COMPANY | $1K | — | $1K | 8.75% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL LIMITED | 150 N RIVERSIDE PLZ STE 1700 CHICAGO, IL 606061572 | PRINCIPAL LIFE INSURANCE COMPANY | — | $533 | $533 | 3.56% |
| CENTRO BENEFITS RESEARCH LLC3 | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 303395946 | PRINCIPAL LIFE INSURANCE COMPANY | — | $395 | $395 | 2.64% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB - HEARTLAND | 8044 MONTGOMERY RD STE 640 CINCINNATI, OH 452362950 | PRINCIPAL LIFE INSURANCE COMPANY | $1K | — | $1K | 8.78% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL LIMITED | 150 N RIVERSIDE PLZ STE 1700 CHICAGO, IL 606061572 | PRINCIPAL LIFE INSURANCE COMPANY | — | $432 | $432 | 3.51% |
| CENTRO BENEFITS RESEARCH LLC3 | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 303395946 | PRINCIPAL LIFE INSURANCE COMPANY | — | $317 | $317 | 2.58% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB - HEARTLAND | 8044 MONTGOMERY RD STE 640 CINCINNATI, OH 452362950 | PRINCIPAL LIFE INSURANCE COMPANY | $961 | — | $961 | 10.91% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL LIMITED | 150 N RIVERSIDE PLZ STE 1700 CHICAGO, IL 606061572 | PRINCIPAL LIFE INSURANCE COMPANY | — | $303 | $303 | 3.44% |
| CENTRO BENEFITS RESEARCH LLC3 | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 303395946 | PRINCIPAL LIFE INSURANCE COMPANY | — | $243 | $243 | 2.76% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB - HEARTLAND | 8044 MONTGOMERY RD STE 640 CINCINNATI, OH 452362950 | PRINCIPAL LIFE INSURANCE COMPANY | $551 | — | $551 | 10.86% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL LIMITED | 150 N RIVERSIDE PLZ STE 1700 CHICAGO, IL 606061572 | PRINCIPAL LIFE INSURANCE COMPANY | — | $173 | $173 | 3.41% |
| CENTRO BENEFITS RESEARCH LLC3 | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 303395946 | PRINCIPAL LIFE INSURANCE COMPANY | — | $141 | $141 | 2.78% |
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 | 112 | 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) | 112 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 98 | $24K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 95 | $5K |
| Life insurance(2 contracts) | PRINCIPAL LIFE INSURANCE COMPANY | 112 | $28K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 37 | $15K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 25 | $12K |
| Other | PRINCIPAL LIFE INSURANCE COMPANY | 112 | $9K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 112 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.