| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FST ASSOCIATES INC3 Filed as: FST ASSOCIATES INC DBA LAURUS STRAT | 55 WEST MONROE CHICAGO, IL 60603 | DELTA DENTAL OF OHIO | $219K | — | $219K | 1.91% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | PO BOX 939 BURLINGTON, NC 27216 | DELTA DENTAL OF OHIO | $127K | — | $127K | 1.11% |
| FST ASSOCIATION INC3 | 55 E JACKSON BLVD STE 1400 CHICAGO, IL 606044466 | METROPOLITAN LIFE INSURANCE COMPANY | $470K | $90K | $560K | 7.76% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 55 E JACKSON BLVD CHICAGO, IL 606044466 | METROPOLITAN LIFE INSURANCE COMPANY | $470K | — | $470K | 6.51% |
| FST ASSOCIATION INC3 | 55 W MONROE ST STE 500 CHICAGO, IL 606035151 | METROPOLITAN LIFE INSURANCE COMPANY | $366K | — | $366K | 5.07% |
| FST ASSOCIATION INC3 | 55 E JACKSON BLVD STE 1400 CHICAGO, IL 606044466 | METROPOLITAN LIFE INSURANCE COMPANY | $90K | $51K | $141K | 3.26% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 55 E JACKSON BLVD CHICAGO, IL 606044466 | METROPOLITAN LIFE INSURANCE COMPANY | $90K | — | $90K | 2.08% |
| FST ASSOCIATION INC3 | 55 W MONROE ST STE 500 CHICAGO, IL 606035151 | METROPOLITAN LIFE INSURANCE COMPANY | $70K | — | $70K | 1.62% |
| FST ASSOCIATES INC Filed as: FST ASSOCIATES, INC. | 55 W MONROE ST STE 500 CHICAGO, IL 606035151 | KAISER FOUNDATION HEALTH PLAN INC | $29K | — | $29K | 1.02% |
| HUB INTERNATIONAL MIDWEST LIMITED | 55 E JACKSON BLVD CHICAGO, IL 606044466 | KAISER FOUNDATION HEALTH PLAN INC | $14K | — | $14K | 0.49% |
| FST ASSOCIATION INC3 | 55 E JACKSON BLVD STE 1400 CHICAGO, IL 606044466 | METROPOLITAN LIFE INSURANCE COMPANY | $283K | — | $283K | 12.02% |
| FST ASSOCIATION INC3 | 55 E JACKSON BLVD STE 1400 CHICAGO, IL 606044466 | METROPOLITAN LIFE INSURANCE COMPANY | $40K | $26K | $66K | 2.81% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 55 E JACKSON BLVD CHICAGO, IL 606044466 | METROPOLITAN LIFE INSURANCE COMPANY | $40K | — | $40K | 1.70% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 55 E JACKSON BLVD CHICAGO, IL 606044466 | UNITED HEALTHCARE INSURANCE COMPANY | $41K | — | $41K | 2.55% |
| FST ASSOCIATES INC3 | 950 CORPORATE OFFICE DR STE 150 MILFORD, MI 483815004 | UNITED HEALTHCARE INSURANCE COMPANY | $8K | — | $8K | 0.48% |
| FST ASSOCIATES INC Filed as: FST ASSOCIATES, INC. | 55 W MONROE ST STE 500 CHICAGO, IL 606035151 | KAISER FOUNDATION HEALTH PLAN INC | $14K | — | $14K | 1.01% |
| HUB INTERNATIONAL MIDWEST LIMITED | 55 E JACKSON BLVD CHICAGO, IL 606044466 | KAISER FOUNDATION HEALTH PLAN INC | $7K | — | $7K | 0.49% |
| TBS AGENCY INC3 | 1776 PLEASANT PLAIN RD FAIRFIELD, IA 525568757 | METROPOLITAN LIFE INSURANCE COMPANY | $38K | — | $38K | 2.95% |
| MICHAEL WITZIG3 | 805 W JACKSON ST STE 203 MORTON, IL 615501582 | METROPOLITAN LIFE INSURANCE COMPANY | $8 | — | $8 | 0.00% |
| FST ASSOCIATION INC3 | 55 W MONROE ST STE 500 CHICAGO, IL 606035151 | METROPOLITAN LIFE INSURANCE COMPANY | $37K | — | $37K | 3.07% |
| FST ASSOCIATION INC3 | 55 E JACKSON BLVD STE 1400 CHICAGO, IL 606044466 | METROPOLITAN LIFE INSURANCE COMPANY | $18K | $15K | $33K | 2.76% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 55 E JACKSON BLVD CHICAGO, IL 606044466 | METROPOLITAN LIFE INSURANCE COMPANY | $18K | — | $18K | 1.52% |
| FST ASSOCIATION INC3 | 55 E JACKSON BLVD STE 1400 CHICAGO, IL 606044466 | METROPOLITAN LIFE INSURANCE COMPANY | $82K | — | $82K | 7.17% |
| FST ASSOCIATION INC3 | 55 E JACKSON BLVD STE 1400 CHICAGO, IL 606044466 | METROPOLITAN LIFE INSURANCE COMPANY | $39K | $13K | $53K | 4.59% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 55 E JACKSON BLVD CHICAGO, IL 606044466 | METROPOLITAN LIFE INSURANCE COMPANY | $39K | — | $39K | 3.44% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST, LTD | 55 E. JACKSON BLVD CHICAGO, IL 60604 | HYATT LEGAL PLANS | $17K | — | $17K | 4.21% |
| FST ASSOCIATION INC3 Filed as: FST ASSOCIATION INC. | 55 E. JACKSON BLVD STE 1400 CHICAGO, IL 60604 | HYATT LEGAL PLANS | $13K | $947 | $13K | 3.40% |
| FST ASSOCIATES INC3 Filed as: FST ASSOCIATES D/B/A LAURUS STRATEG | 55 WEST MONROE SUITE 500 CHICAGO, IL 60603 | HYATT LEGAL PLANS | $10K | $3K | $13K | 3.36% |
| FST ASSOCIATION INC3 | 55 E JACKSON BLVD STE 1400 CHICAGO, IL 606044466 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $345 | $2K | 6.21% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 55 E JACKSON BLVD CHICAGO, IL 606044466 | METROPOLITAN LIFE INSURANCE COMPANY | $124 | — | $124 | 0.46% |
| FST ASSOCIATES INC Filed as: FST ASSOCIATES, INC DBA LAURUS STRA | 55 WEST MONROE SUITE 500 CHICAGO, IL 60603 | FEDERAL INSURANCE COMPANY | $3K | — | $3K | 15.00% |
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 | 37,980 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 37,980 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF OHIO | 36,705 | $11.4M |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 18,537 | $1.6M |
| Life insurance(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 50,486 | $5.6M |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 9,402 | $7.2M |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 6,757 | $2.4M |
| Other(7 contracts, 4 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 50,486 | $7.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 50,486 | — |
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.