| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROGERS BENEFIT GROUP INC3 Filed as: ROGERS BENEFIT GRP INC | 8000 NORMAN CENTER DR STE 605 BLOOMINGTON, MN 554371178 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $650 | $4K | 5.07% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 1213 W MOREHEAD ST STE 41 CHARLOTTE, NC 282085213 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $66 | $3K | 4.03% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 16253 COLLECTION CENTER DR 40 W MADISON 4TH FL BANK OF AMERICA LOCK CHICAGO, IL 606930162 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $772 | $772 | 1.01% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS | 1787 SENTRY PKWY W BLDG 16 STE 320 BLUE BELL, PA 194222239 | METROPOLITAN LIFE INSURANCE COMPANY | $609 | $0 | $609 | 0.79% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: KEENAN SUGGS, HUB INTERNATIONA | PO BOX 2158 RIVERSIDE, CA 92516 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $3K | $8K | 16.02% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 751 CORPORATE CTR DR STE 120 RALEIGH, NC 276074873 | VISION SERVICE PLAN | $1K | $0 | $1K | 5.43% |
| GROUP BENEFITS LTD3 | 4151 EXECUTIVE PKWY STE 210 WESTERVILLE, OH 43081 | VISION SERVICE PLAN | $1K | $0 | $1K | 5.00% |
| EMPLOYEE NAVIGATOR, LLC3 | 7979 OLD GEORGETOWN RD STE 300 BETHESDA, MD 208142554 | VISION SERVICE PLAN | $87 | $0 | $87 | 0.42% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: KEENAN SUGGS, HUB INTERNATIONA | PO BOX 2158 RIVERSIDE, CA 92516 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $538 | $2K | 22.03% |
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 | 123 | 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) | 125 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 247 | $77K |
| Vision | VISION SERVICE PLAN | 85 | $21K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 123 | $61K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 123 | $51K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 123 | $51K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 247 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.