| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 | 55 E JACKSON BLVD #14A CHICAGO, IL 60604 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $17K | $49K | $66K | 2.71% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 55 E JACKSON BLVD #14A CHICAGO, IL 60604 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $0 | $27K | $27K | 5.00% |
| GRIFFIN, STEVEN, RAY3 | 2000 MORRIS AVE STE 1400 BIRMINGHAM, AL 35203 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $13K | — | $13K | 3.97% |
| BENEFIT COMMUNICATIONS INC3 | 2977 SIDCO DR NASHVILLE, TN 37204 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 1.88% |
| LSG INSURANCE PARTNERS3 Filed as: LSG INSURANCE PARTNERS, INC. | 2600 S TELEGRAPH RD STE 100 BLOOMFIELD HILLS, MI 48302 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 0.33% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 55 E JACKSON BLVD #14A CHICAGO, IL 60604 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $880 | $81 | $961 | 0.29% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 55 E JACKSON BLVD #14A CHICAGO, IL 60604 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $47K | $16K | $63K | 20.06% |
| GRIFFIN, STEVEN, RAY3 | 2000 MORRIS AVE STE 1400 BIRMINGHAM, AL 35203 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $9K | — | $9K | 4.26% |
| BENEFIT COMMUNICATIONS INC3 | 2977 SIDCO DR NASHVILLE, TN 37204 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 0.61% |
| LSG INSURANCE PARTNERS3 Filed as: LSG INSURANCE PARTNERS, INC. | 2600 S TELEGRAPH RD STE 100 BLOOMFIELD HILLS, MI 48302 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $213 | — | $213 | 0.11% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 55 E JACKSON BLVD #14A CHICAGO, IL 60604 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $22 | $1 | $23 | 0.01% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 55 E JACKSON BLVD #14A CHICAGO, IL 60606 | ZURICH AMERICAN INSURANCE COMPANY | $3K | — | $3K | 15.00% |
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 | 1,860 | 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) | 1,860 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,039 | $2.7M |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,039 | $2.5M |
| Long-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,039 | $2.8M |
| Stop-loss / reinsurancereinsurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,504 | $534K |
| Other(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,700 | $2.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,700 | — |
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.