| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: EQUITY RISK PARTNERS | 465 MONTGOMERY STREET FLOOR 16 SAN FRANCISCO, CA 941041249 | HUMANA INSURANCE COMPANY | $35K | — | $35K | 2.67% |
| ANTHONY G MARCON3 | 456 MONTGOMERY STREET FLOOR 16 SAN FRANCISCO, CA 941041249 | HUMANA INSURANCE COMPANY | $11K | — | $11K | 0.83% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | PO BOX 905494 CHARLOTTE, NC 282905494 | HUMANA INSURANCE COMPANY | $8K | — | $8K | 0.64% |
| M. FINANCIAL HOLDINGS INCORPORATED3 Filed as: DARRELL SCHWABE FINANICAL SERVICES | P.O. BOX 2685 BRANDON, FL 33509 | HUMANA INSURANCE COMPANY | -$15 | — | -$15 | -0.00% |
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 | 105 | 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) | 109 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA INSURANCE COMPANY | 113 | $1.3M |
| Dental | HUMANA INSURANCE COMPANY | 113 | $1.3M |
| Vision | HUMANA INSURANCE COMPANY | 113 | $1.3M |
| Life insurance | HUMANA INSURANCE COMPANY | 113 | $1.3M |
| Short-term disability | HUMANA INSURANCE COMPANY | 113 | $1.3M |
| Long-term disability | HUMANA INSURANCE COMPANY | 113 | $1.3M |
| Other | HUMANA INSURANCE COMPANY | 113 | $1.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 113 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.