| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCES., INC. | 7770 JEFFERSON STREET NE, SUITE 101 ALBUQUERQUE, NM 87109 | METROPOLITAN LIFE INSURANCE COMPANY | $107K | — | $107K | 14.94% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCES., INC. | PO BOX 5345 RIVERSIDE, CA 92517 | METROPOLITAN LIFE INSURANCE COMPANY | — | $6K | $6K | 0.82% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCES., INC. | 2236 17TH STREET, SUITE 900 DENVER, CO 80202 | UNITED HEALTHCARE INSURANCE COMPANY | $9K | $1K | $10K | 10.90% |
| S & S BENEFITS CONSULTING, INC.3 Filed as: S AND S BENEFITS CONSULTING, INC. | 219 DARIEN DUNDEE, IL 60118 | FEDERAL INSURANCE COMPANY | $876 | — | $876 | 12.00% |
| LOCKTON COMPANIES, LLC3 | 8110 EAST UNION AVENUE DENVER, CO 80237 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $72 | — | $72 | 4.55% |
| BETTY A WILCOX3 Filed as: BETTY A. WILCOX | 2029 WOODBURN STREET COLORADO SPRINGS, CO 80906 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $39 | — | $39 | 2.47% |
| ROBERT N STRINGER3 Filed as: ROBERT N. STRINGER | 109 EASTSIDE DRIVE BRANDON, MS 39047 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $14 | — | $14 | 0.89% |
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 | 524 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 524 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 531 | $89K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 1,232 | $715K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 1,232 | $715K |
| Other(4 contracts, 4 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,232 | $818K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,232 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.