| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 55 E JACKSON BLVD #14A EMPLOYEE BENEFITS DEPARTMENT CHICAGO, IL 60604 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $117K | $73K | $190K | 10.14% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 55 E JACKSON BLVD #14A EMPLOYEE BENEFITS DEPARTMENT CHICAGO, IL 60604 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $134K | $56K | $190K | 14.16% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 55 E JACKSON BLVD FL 14 CHICAGO, IL 606044466 | METROPOLITAN LIFE INSURANCE COMPANY | $75K | $28K | $104K | 12.09% |
| GARY WELTMANN3 Filed as: GARY F WELTMAN | PO BOX 59816 POTOMAC, MA 208599816 | METROPOLITAN LIFE INSURANCE COMPANY | $61K | — | $61K | 7.08% |
| PROFESSIONAL LAW INS ADVISORS LLC3 | PO BOX 59816 POTOMAC, MD 208599816 | METROPOLITAN LIFE INSURANCE COMPANY | $24K | — | $24K | 2.76% |
| WILLIAM T LAWRENCE3 | 2917 W 9755 S SOUTH JORDAN, UT 840953247 | METROPOLITAN LIFE INSURANCE COMPANY | $147 | — | $147 | 0.02% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 155 NORTH WACKER DRIVE SUITE 1500 CHICAGO, IL 60606 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $15K | — | $15K | 7.07% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 155 NORTH WACKER DRIVE SUITE 1500 CHICAGO, IL 60606 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $12K | — | $12K | 10.56% |
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 | 1,763 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 54 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,817 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 27 | $321K |
| Dental(2 contracts) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 27 | $321K |
| Vision | EYEMED | 2,380 | $41K |
| Life insurance(4 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,784 | $1.7M |
| Long-term disability(4 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,326 | $2.2M |
| Prescription drug(2 contracts) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 27 | $321K |
| Other(5 contracts, 4 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,784 | $2.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,380 | — |
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.
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.