| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PL CHICAGO, IL 60673 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | $1K | $6K | 3.70% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST | 6100 S YALE AVE STE. 1900 TULSA, OK 74136 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $0 | $3K | 2.07% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PL CHICAGO, IL 60673 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $952 | $5K | 3.54% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST | 6100 S YALE AVE STE. 1900 TULSA, OK 74136 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $0 | $3K | 2.20% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PL CHICAGO, IL 60673 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $765 | $4K | 3.49% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST | 6100 S YALE AVE STE. 1900 TULSA, OK 74136 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $0 | $2K | 2.24% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PL CHICAGO, IL 60673 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $349 | $48 | $397 | 6.53% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST | 6100 S YALE AVE STE. 1900 TULSA, OK 74136 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $259 | $0 | $259 | 4.26% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| GEORGE MICHAEL & ASSOCIATES EIN 75-2807488 AGENT | Consulting (general); Insurance agents and brokers Service code 16 | 5301 KNICKERBOCKER ROAD, STE 100 SAN ANGELO, TX 76904 | $440K |
| INSURANCE SERVICES OF LUBBOCK EIN 75-2672329 AGENT | Claims processing; Insurance agents and brokers Service code 12 | 4601 66TH ST C LUBBOCK, TX 79414 | $281K |
| HINES AND ASSOCIATES, INC EIN 36-3545085 PRE-CERTIFICATION | Other fees Service code 99 | 115 EAST HIGHLAND AVE ELGIN, IL 60120 | $48K |
| AMERICAN HEALTH ALLIANCE EIN 93-1079167 PPO | Other fees Service code 99 | 9229 WARD PARKWAY, STE 300 KANSAS CITY, MO 64114 | $16K |
| HIGHLAND WELLMONT PPO EIN 62-1551772 PPO AND PRE-CERTIFICATION | Other fees Service code 99 | 1905 AMERICAN WAY KINGSPORT, TN 37660 | $8K |
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 | 732 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 735 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,356 | $160K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 536 | $129K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 429 | $105K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 770 | $6K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,356 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.