| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SERVICES | 6701 CENTER DRIVE W SUITE 1500 LOS ANGELES, CA 900451561 | METROPOLITAN LIFE INSURANCE COMPANY | $11K | $80 | $11K | 103.42% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SERVICES | PO BOX 2158 RIVERSIDE, CA 925162158 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $404 | $404 | 3.71% |
| AMWINS3 Filed as: AMWINS GROUP BENEFITS INC. | 1 ENTERPRISE DR., SUITE 210 SHELTON, CT 064844631 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $23 | $23 | 0.21% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SERVICES INC | 6701 CENTER DR. W SUITE 1500 LOS ANGELES, CA 900451561 | METROPOLITAN LIFE INSURANCE COMPANY | $11K | $80 | $11K | 125.38% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SERVICES INC | PO BOX 2158 RIVERSIDE, CA 925162158 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $326 | $326 | 3.76% |
| AMWINS3 Filed as: AMWINS GROUP BENEFITS INC. | 1 ENTERPRISE DR., SUITE 210 SHELTON, CT 064844631 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $23 | $23 | 0.27% |
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 | 1,037 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,041 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 1,534 | $2.6M |
| Dental | UNITED HEALTHCARE INSURANCE COMPANY | 1,534 | $2.6M |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 1,534 | $2.6M |
| Life insurance(2 contracts) | UNITED HEALTHCARE INSURANCE COMPANY | 1,534 | $2.7M |
| Short-term disability(2 contracts) | UNITED HEALTHCARE INSURANCE COMPANY | 1,534 | $2.7M |
| Long-term disability(2 contracts) | UNITED HEALTHCARE INSURANCE COMPANY | 1,534 | $2.7M |
| Other(5 contracts, 3 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 1,534 | $2.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,534 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.