| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 4830 WEST KENNEDY BLVD SUITE 850 TAMPA, FL 33609 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | — | $143K | $143K | 4.96% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 4830 W. KENNEDY BLVD STE 850 TAMPA, FL 33609 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | — | $4K | $4K | 0.14% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 4830 W KENNEDY BLVD STE 850 TAMPA, FL 33609 | SUN LIFE ASSURANCE COMPANY OF CANADA | $48K | $8K | $55K | 13.07% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 55 E JACKSON BLVD CHICAGO, IL 606044466 | KAISER FOUNDATION HEALTH PLAN INC | $20K | — | $20K | 5.82% |
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 | 476 | 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) | 476 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 260 | $3.2M |
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 296 | $421K |
| Vision | SUN LIFE ASSURANCE COMPANY OF CANADA | 296 | $421K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 296 | $421K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 296 | $421K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 296 | $421K |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 296 | $421K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 296 | — |
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.