| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 | 655 FOX RUN ROAD, SUITE A FINDLAY, OH 45840 | GAW PROTECTED CELL OF MEDTRANS | $408 | — | $408 | 0.06% |
| AMWINS5 Filed as: AMWINS GROUP BENEFITS LLC | 50 WHITECAP DRIVE NORTH KINGSTOWN, RI 02852 | EXPRESS SCRIPTS, INC. | $10K | — | $10K | 6.51% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 655 FOX RUN ROAD FINDLAY, OH 45840 | EXPRESS SCRIPTS, INC. | $3K | — | $3K | 2.26% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 655 FOX FUN ROAD, SUITE A FINDLAY, OH 45840 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $17K | $6K | $23K | 20.18% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 655 FOX FUN ROAD, SUITE A FINDLAY, OH 45840 | HCC LIFE INSURANCE COMPANY | $3K | — | $3K | 8.34% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB HEARTLAND LLC | 655 FOX RUN ROAD, SUITE A FINDLAY, OH 45840 | HCC LIFE INSURANCE COMPANY | $527 | — | $527 | 1.66% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | PO BOX 2167 GRAND RAPIDS, MI 49501 | VISION SERVICE PLAN | $1K | — | $1K | 5.84% |
| EMPLOYEE NAVIGATOR, LLC3 | 7979 OLD GEORGETOWN RD., STE. 300 BETHESDA, MD 208142554 | VISION SERVICE PLAN | $108 | — | $108 | 0.55% |
| WATCHTOWER BENEFITS, LLC3 Filed as: WATCHTOWER TECHNOLOGIES INC | 306 W ERIE ST., STE 300 CHICAGO, IL 60654 | VISION SERVICE PLAN | $108 | — | $108 | 0.55% |
| AMWINS5 Filed as: AMWINS GROUP BENEFITS LLC | 50 WHITECAP DRIVE NORTH KINGSTOWN, RI 02852 | AMERITAS LIFE INSURANCE CORPORATION - LINCOLN | $547 | — | $547 | 10.76% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 655 FOX RUN ROAD FINDLAY, OH 45840 | AMERITAS LIFE INSURANCE CORPORATION - LINCOLN | $547 | — | $547 | 10.76% |
| AMWINS3 Filed as: AMWINS CONNECT ADMINISTRATORS | ONE ENTERPRISE DRIVE SHELTON, CT 06484 | AMERITAS LIFE INSURANCE CORPORATION - LINCOLN | $258 | — | $258 | 5.07% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HUB INTERNATIONAL MIDWEST EIN 35-0672425 NONE | Insurance services Service code 23 | — | $84K |
| ALLIED BENEFIT SYSTEMS EIN 36-3086057 NONE | Claims processing Service code 12 | — | $54K |
| SHARX, LLC EIN 84-3019478 NONE | Insurance services Service code 23 | — | $36K |
| AETNA LIFE INSURANCE COMPANY EIN 06-6033492 NONE | Claims processing Service code 12 | — | $13K |
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 | 133 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 63 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 203 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | EXPRESS SCRIPTS, INC. | 63 | $219K |
| Vision | VISION SERVICE PLAN | 124 | $20K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 133 | $115K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 133 | $115K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 133 | $115K |
| Stop-loss / reinsurancereinsurance(3 contracts, 2 carriers) | GAW PROTECTED CELL OF MEDTRANS | 140 | $723K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 140 | $147K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 140 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.