| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 | 655 FOX RUN ROAD, SUITE A FINDLAY, OH 45840 | HCC LIFE INSURANCE COMPANY | $86K | — | $86K | 10.00% |
| ALLIED BENEFIT SYSTEMS, LLC3 | 200 W. ADAMS SUITE 500 CHICAGO, IL 60606 | HCC LIFE INSURANCE COMPANY | $0 | $5K | $5K | 0.54% |
| AMWINS5 Filed as: AMWINS GROUP BENEFITS LLC | 50 WHITECAP DRIVE NORTH KINGSTOWN, RI 02852 | EXPRESS SCRIPTS, INC. | $10K | — | $10K | 6.78% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | PO BOX 2167 GRAND RAPIDS, MI 49501 | EXPRESS SCRIPTS, INC. | $3K | — | $3K | 2.35% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 655 FOX FUN ROAD, SUITE A FINDLAY, OH 45840 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $14K | $3K | $17K | 14.83% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 655 FOX RUN ROAD, SUITE A FINDLAY, OH 45840 | AETNA LIFE INSURANCE COMPANY | $5K | — | $5K | 11.11% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 655 FOX FUN ROAD, SUITE A FINDLAY, OH 45840 | HCC LIFE INSURANCE COMPANY | $3K | — | $3K | 10.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | PO BOX 2167 GRAND RAPIDS, MI 49501 | VISION SERVICE PLAN | $1K | — | $1K | 5.57% |
| EMPLOYEE NAVIGATOR, LLC3 | 7979 OLD GEORGETOWN RD., STE. 300 BETHESDA, MD 208142554 | VISION SERVICE PLAN | $101 | — | $101 | 0.50% |
| AMWINS5 Filed as: AMWINS GROUP BENEFITS LLC | 50 WHITECAP DRIVE NORTH KINGSTOWN, RI 02852 | AMERITAS INSURANCE | $555 | — | $555 | 10.76% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | PO BOX 2167 GRAND RAPIDS, MI 49501 | AMERITAS INSURANCE | $555 | — | $555 | 10.76% |
| MANAGING AGENCY GROUP3 | ONE ENTERPRISE DRIVE SUITE 210 SHELTON, CT 06484 | AMERITAS INSURANCE | $261 | — | $261 | 5.06% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ALLIED BENEFIT SYSTEMS INC. EIN 36-3086057 NONE | Claims processing Service code 12 | — | $44K |
| AETNA LIFE INSURANCE COMPANY EIN 06-6033492 NONE | Claims processing Service code 12 | — | $36K |
| SHARX, LLC EIN 84-3019478 NONE | Insurance services Service code 23 | — | $34K |
| AMWINS GROUP BENEFTIS LLC NONE | Insurance services Service code 23 | 50 WHITECAP DRIVE NORTH KINGSTOWN, RI 02852 | $19K |
| HUBINTERNATIONAL MIDWEST LIMITED NONE | Insurance services Service code 23 | P.O. BOX 2167 GRAND RAPIDS, MI 49501 | $11K |
| MINSTER BANK NONE | Custodial (securities) Service code 19 | 95 W. FOURTH ST. P.O. BOX 90 MINSTER, OH 45865 | $11K |
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 | 113 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 116 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HCC LIFE INSURANCE COMPANY | 142 | $923K |
| Dental | AMERITAS INSURANCE | 15 | $5K |
| Vision(2 contracts, 2 carriers) | VISION SERVICE PLAN | 127 | $25K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 137 | $118K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 137 | $118K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 137 | $118K |
| Prescription drug | EXPRESS SCRIPTS, INC. | 62 | $144K |
| Stop-loss / reinsurancereinsurance(3 contracts, 2 carriers) | HCC LIFE INSURANCE COMPANY | 142 | $961K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 142 | $148K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 142 | — |
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.