| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 | PO BOX 939 BURLINGTON, NC 27216 | DELTA DENTAL OF OHIO | $317K | — | $317K | 3.00% |
| FST ASSOCIATION INC3 | 55 W MONROE ST STE 500 CHICAGO, IL 606035151 | METROPOLITAN LIFE INSURANCE COMPANY | $434K | $43K | $477K | 7.16% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 55 E JACKSON BLVD CHICAGO, IL 606044466 | METROPOLITAN LIFE INSURANCE COMPANY | $347K | — | $347K | 5.21% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 16253 COLLECTION CENTER DR 40 W MADISON 4TH FL BANK OF AMERICA CHICAGO, IL 606930162 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $109K | $109K | 1.64% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 55 E JACKSON BLVD CHICAGO, IL 606044466 | METROPOLITAN LIFE INSURANCE COMPANY | $109K | — | $109K | 2.28% |
| FST ASSOCIATION INC3 | 55 W MONROE ST STE 500 CHICAGO, IL 606035151 | METROPOLITAN LIFE INSURANCE COMPANY | $67K | $21K | $88K | 1.84% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 16253 COLLECTION CENTER DR 40 W MADISON 4TH FL BANK OF AMERICA CHICAGO, IL 606930162 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $87K | $87K | 1.82% |
| HUB INTERNATIONAL MIDWEST LIMITED | 55 E JACKSON BLVD CHICAGO, IL 606044466 | KAISER FOUNDATION HEALTH PLAN INC | $42K | — | $42K | 1.50% |
| FST ASSOCIATES INC Filed as: FST ASSOCIATES, INC. | 55 W MONROE ST STE 500 CHICAGO, IL 606035151 | KAISER FOUNDATION HEALTH PLAN INC | $65 | — | $65 | 0.00% |
| HUB INTERNATIONAL MIDWEST LIMITED Filed as: HUB INTERNATIONAL | 55 E JACKSON BLVD CHICAGO, IL 606044466 | METROPOLITAN LIFE INSURANCE COMPANY | $248K | — | $248K | 10.98% |
| FST ASSOCIATION INC3 | 55 W MONROE ST STE 500 CHICAGO, IL 606035151 | METROPOLITAN LIFE INSURANCE COMPANY | $140K | $14K | $154K | 6.81% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 16253 COLLECTION CENTER DR 40 W MADISON 4TH FL BANK OF AMERICA CHICAGO, IL 606930162 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $38K | $38K | 1.70% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 55 E JACKSON BLVD CHICAGO, IL 606044466 | UNITED HEALTHCARE INSURANCE COMPANY | $44K | — | $44K | 3.01% |
| HUB INTERNATIONAL MIDWEST LIMITED | 55 E JACKSON BLVD CHICAGO, IL 606044466 | KAISER FOUNDATION HEALTH PLAN INC | $21K | — | $21K | 1.50% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 55 E JACKSON BLVD CHICAGO, IL 606044466 | METROPOLITAN LIFE INSURANCE COMPANY | $39K | — | $39K | 3.34% |
| FST ASSOCIATION INC3 | 55 W MONROE ST STE 500 CHICAGO, IL 606035151 | METROPOLITAN LIFE INSURANCE COMPANY | $29K | $7K | $37K | 3.12% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 16253 COLLECTION CENTER DR 40 W MADISON 4TH FL BANK OF AMERICA CHICAGO, IL 606930162 | METROPOLITAN LIFE INSURANCE COMPANY | — | $19K | $19K | 1.64% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 55 E JACKSON BLVD CHICAGO, IL 606044466 | METROPOLITAN LIFE INSURANCE COMPANY | $82K | — | $82K | 7.76% |
| FST ASSOCIATION INC3 | 55 W MONROE ST STE 500 CHICAGO, IL 606035151 | METROPOLITAN LIFE INSURANCE COMPANY | $64K | $6K | $71K | 6.66% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 16253 COLLECTION CENTER DR 40 W MADISON 4TH FL BANK OF AMERICA CHICAGO, IL 606930162 | METROPOLITAN LIFE INSURANCE COMPANY | — | $16K | $16K | 1.53% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST, LTD | 55 E JACKSON BLVD CHICAGO, IL 60604 | HYATT LEGAL PLANS | $36K | — | $36K | 10.00% |
| FST ASSOCIATION INC3 | 55 E JACKSON BLVD STE 1400 CHICAGO, IL 60604 | HYATT LEGAL PLANS | — | $923 | $923 | 0.25% |
| TBS AGENCY INC3 | 1776 PLEASANT PLAIN RD FAIRFIELD, IA 525568757 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | — | $3K | 2.60% |
| MICHAEL WITZIG3 | 805 W JACKSON ST STE 203 MORTON, IL 615501582 | METROPOLITAN LIFE INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 55 E JACKSON BLVD CHICAGO, IL 606044466 | METROPOLITAN LIFE INSURANCE COMPANY | $214 | — | $214 | 0.74% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 16253 COLLECTION CENTER DR 40 W MADISON 4TH FL BANK OF AMERICA CHICAGO, IL 606930162 | METROPOLITAN LIFE INSURANCE COMPANY | — | $175 | $175 | 0.61% |
| FST ASSOCIATION INC3 | 55 W MONROE ST STE 500 CHICAGO, IL 606035151 | METROPOLITAN LIFE INSURANCE COMPANY | $64 | $16 | $80 | 0.28% |
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 | 36,154 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 36,154 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF OHIO | 35,632 | $10.5M |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 17,758 | $1.5M |
| Life insurance(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 47,668 | $4.9M |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 8,326 | $6.7M |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 6,493 | $2.3M |
| Other(6 contracts, 4 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 36,960 | $3.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 47,668 | — |
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.