| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 | 375 BISHOPS WAY STE 224 BROOKFIELD, WI 53005 | UNITED HEALTHCARE INSURANCE COMPANY | — | $36K | $36K | 2.21% |
| FST ASSOCIATES INC3 | 950 CORPORATE BUSINESS DR STE 150 MILFORD, MI 48381 | UNITED HEALTHCARE INSURANCE COMPANY | — | $35K | $35K | 2.14% |
| FST ASSOCIATES INC3 Filed as: FST ASSOCIATES | 55 WEST MONROE ST SUITE 500 CHICAGO, IL 60603 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $2K | $6K | 4.70% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 55 E JACKSON BLVD CHICAGO, IL 60604 | METROPOLITAN LIFE INSURANCE COMPANY | $748 | $0 | $748 | 0.59% |
| FST ASSOCIATES INC3 | 55 W MONROE STE 500 CHICAGO, IL 60603 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | $0 | $7K | 9.83% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 55 E JACKSON BLVD CHICAGO, IL 60604 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $679 | $4K | 6.16% |
| FST ASSOCIATES INC3 | 55 W MONROE STE 500 CHICAGO, IL 60603 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 9.91% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 55 E JACKSON BLVD CHICAGO, IL 60604 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $198 | $1K | 6.09% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 55 E. JACKSON CHICAGO, IL 60604 | EYEMED VISION CARE | $960 | $0 | $960 | 5.04% |
| LAURUS STRATEGIES3 | 55 WEST MONROE ST STE 500 CHICAGO, IL 60603 | EYEMED VISION CARE | $923 | $0 | $923 | 4.85% |
| FST ASSOCIATES INC3 | 55 WEST MONROE STE 500 CHICAGO, IL 60603 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $0 | $1K | 9.91% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 55 E JACKSON BLVD. CHICAGO, IL 60604 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $761 | $153 | $914 | 6.11% |
| FST ASSOCIATES INC3 | 55 W MONROE STE 500 CHICAGO, IL 60603 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $791 | $0 | $791 | 9.59% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 55 E JACKSON STE 600 CHICAGO, IL 60604 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $446 | $95 | $541 | 6.56% |
| FST ASSOCIATES INC3 | 55 W MONROE STE 500 CHICAGO, IL 60603 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $196 | $0 | $196 | 10.27% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 55 E. JACKSON STE 600 CHICAGO, IL 60604 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $90 | $21 | $111 | 5.82% |
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 | 280 | 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) | 280 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 362 | $1.6M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 368 | $127K |
| Vision | EYEMED VISION CARE | 303 | $19K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 261 | $15K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 261 | $69K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 261 | $20K |
| Prescription drug | UNITED HEALTHCARE INSURANCE COMPANY | 362 | $1.6M |
| Other(3 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 261 | $25K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 368 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.