| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 | 655 FOX FUN ROAD, SUITE A FINDLAY, OH 45840 | HCC LIFE | $51K | $0 | $51K | 7.68% |
| BENEFIT STRATEGIES AGENCY, LLC3 | 655 FOX FUN ROAD, SUITE A FINDLAY, OH 45840 | HCC LIFE | $15K | $0 | $15K | 2.32% |
| ALLIED BENEFIT SYSTEMS, LLC3 | 200 WEST ADAMS, SUITE 500 CHICAGO, IL 60606 | HCC LIFE | $0 | $3K | $3K | 0.52% |
| AMWINS5 Filed as: AMWINS GROUP BENEFITS LLC | 50 WHITECAP DRIVE NORTH KINGSTOWN, RI 02852 | EXPRESS SCRIPTS, INC. | $10K | $0 | $10K | 7.53% |
| BENEFIT STRATEGIES AGENCY, LLC3 | 655 FOX FUN ROAD, SUITE A FINDLAY, OH 45840 | EXPRESS SCRIPTS, INC. | $3K | $0 | $3K | 2.61% |
| AMWINS5 Filed as: AMWINS GROUP BENEFITS LLC | 50 WHITECAP DRIVE NORTH KINGSTOWN, RI 02852 | TRANSAMERICA INSURANCE COMPANY | $12K | $0 | $12K | 11.76% |
| BENEFIT STRATEGIES AGENCY, LLC3 | 655 FOX FUN ROAD, SUITE A FINDLAY, OH 45840 | TRANSAMERICA INSURANCE COMPANY | $6K | $0 | $6K | 5.88% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 655 FOX FUN ROAD, SUITE A FINDLAY, OH 45840 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $9K | $6K | $15K | 18.46% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | PO BOX 2167 GRAND RAPIDS, MI 49501 | VISION SERVICE PLAN | $870 | $0 | $870 | 4.92% |
| AMWINS5 Filed as: AMWINS GROUP BENEFITS LLC | 50 WHITECAP DRIVE NORTH KINGSTOWN, RI 02852 | AMERITAS INSURANCE | $447 | $0 | $447 | 10.76% |
| BENEFIT STRATEGIES AGENCY, LLC5 | 655 FOX FUN ROAD, SUITE A FINDLAY, OH 45840 | AMERITAS INSURANCE | $447 | $0 | $447 | 10.76% |
| WEB TPA5 | 8500 FREEPORT PARKWAY SOUTH IRVING, TX 75063 | AMERITAS INSURANCE | $210 | $0 | $210 | 5.06% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ALLIED BENEFIT SYSTEMS INC. EIN 36-3086057 NONE | Claims processing Service code 12 | — | $37K |
| AETNA LIFE INSURANCE COMPANY EIN 06-6033492 NONE | Claims processing Service code 12 | — | $31K |
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 | 120 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 121 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | TRANSAMERICA INSURANCE COMPANY | 63 | $101K |
| Dental | AMERITAS INSURANCE | 15 | $4K |
| Vision(2 contracts, 2 carriers) | VISION SERVICE PLAN | 105 | $22K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 118 | $82K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 118 | $82K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 118 | $82K |
| Prescription drug | EXPRESS SCRIPTS, INC. | 63 | $128K |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | HCC LIFE INSURANCE COMPANY | 125 | $651K |
| Other(2 contracts, 2 carriers) | HCC LIFE | 238 | $746K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 238 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.