| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STHEALTH BENEFIT SOLUTIONS LLC3 | DBA STEALTH PARTNER GROUP 18940 N PIMA RD STE 210 SCOTTSDALE, AZ 85255 | SUN LIFE ASSURANCE COMPANY OF CANADA | $62K | — | $62K | 5.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INSURANCE | SERVICES, INC. 3390 UNIVERSITY AVE., #300 RIVERSIDE, CA 92501 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $28K | $28K | 2.29% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | EMPLOYEE BENEFITS DEPARTMENT 55 EAST JACKSON BLVD., #14A CHICAGO, IL 60604 | AETNA LIFE INSURANCE COMPANY | — | $6K | $6K | 1.05% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTL MIDWEST LIMITED | 55 EAST JACKSON BLVD CHICAGO, IL 60604 | HARTFORD LIFE AND ACCIDENT | $18K | $7K | $24K | 5.20% |
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | HARTFORD LIFE AND ACCIDENT | — | $2K | $2K | 0.42% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PACIFIC RESOURCES BENEFITS ADV | 75 STATE STREET, STE. 1710 BOSTON, MA 02109 | HARTFORD LIFE AND ACCIDENT | — | -$450 | -$450 | -0.10% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST | 55 E JACKSON BLVD CHICAGO, IL 60604 | UNITEDHEALTHCARE INSURANCE COMPANY | $8K | — | $8K | 10.02% |
| FST ASSOCIATES INC3 Filed as: FST ASSOCIATES, INC. | 950 CORPORATE OFFICE DR, STE. 150 MILFORD, MI 48381 | UNITEDHEALTHCARE INSURANCE COMPANY | $9 | — | $9 | 0.01% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 55 WEST MONROE SUITE 500 CHICAGO, IL 60603 | HM LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| GROUP INS SERV INC3 | BC BS OF TN ATTN GIS 1 CAMERON HILL CIRCLE CHATTANOOGA, TN 37402 | HM LIFE INSURANCE COMPANY | $2K | — | $2K | 7.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AETNA LIFE INSURANCE COMPANY EIN 06-6033492 CLAIM ADMINISTRATOR | Claims processing; Contract Administrator Service code 12 | — | $665K |
| RX BENEFITS EIN 63-1157085 CLAIMS PROCESSING | Contract Administrator Service code 13 | — | $20K |
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 | 1,500 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,505 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,484 | $1.2M |
| Dental | AETNA LIFE INSURANCE COMPANY | 2,408 | $612K |
| Vision(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 629 | $104K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 1,382 | $470K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 1,382 | $470K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 1,382 | $470K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,484 | $1.2M |
| Other | HARTFORD LIFE AND ACCIDENT | 1,382 | $470K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,408 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.