| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST, LIMITED | 751 CORPORATE CENTER DR SUITE 130 RALEIGH, NC 27607 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $37K | $5K | $42K | 5.78% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | PO BOX 939 BURLINGTON, NC 27216 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $31K | $13K | $44K | 19.19% |
| ASSOCIATED AGENCIES, INC3 Filed as: ASSOCIATED AGENCIES INC | 1701 GOLD ROAD STE 3-700 ROLLING MEADOWS, IL 60008 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 1.23% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 751 CORPORATE CENTER DR STE 120 RALEIGH, NC 27607 | METROPOLITAN LIFE INSURANCE COMPANY | $19K | $66 | $19K | 18.33% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 16253 COLLECTION CENTER DR CHICAGO, IL 60693 | METROPOLITAN LIFE INSURANCE COMPANY | — | $2K | $2K | 1.79% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 3510 N CAUSEWAY BLVD STE 300 METAIRIE, LA 70002 | SUN LIFE ASSURANCE COMPANY OF CANADA | $20K | — | $20K | 21.59% |
| ASSOCIATED AGENCIES, INC3 Filed as: ASSOCIATED AGENCIES INC | 1701 GOLD ROAD STE 3-700 ROLLING MEADOWS, IL 60008 | SUN LIFE ASSURANCE COMPANY OF CANADA | $615 | — | $615 | 0.65% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 1213 W MOREHEAD STREET STE 410 CHARLOTTE, NC 28208 | SUN LIFE ASSURANCE COMPANY OF CANADA | $601 | — | $601 | 0.64% |
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 | 239 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 242 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 231 | $724K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 478 | $106K |
| Vision | UNITED OF OMAHA LIFE INSURANCE COMPANY | 241 | $230K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 241 | $230K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 241 | $230K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 241 | $230K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 231 | $724K |
| Other(3 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 285 | $330K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 478 | — |
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.