| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 | 55 EAST JACKSON BOULEVARD CHICAGO, IL 60604 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $66K | $66K | 3.70% |
| FST ASSOCIATES INC3 | 950 CORPORATE OFFICE DRIVE STE 150 MILFORD, MI 48381 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $19 | $19 | 0.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 55 EAST JACKSON BOULEVARD CHICAGO, IL 60604 | METROPOLITAN LIFE INSURANCE COMPANY | $23K | — | $23K | 8.09% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL IOWA LLC | 16253 COLLECTION CENTER DRIVE 40 WEST MADISON 4TH FLOOR BANK OF CHICAGO, IL 60693 | METROPOLITAN LIFE INSURANCE COMPANY | — | $5K | $5K | 1.86% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL IOWA LLC | 15162 COLLECTION CENTER DRIVE CHICAGO, IL 60693 | METROPOLITAN LIFE INSURANCE COMPANY | -$14K | $60 | -$14K | -5.08% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 55 EAST JACKSON CHICAGO, IL 60604 | EYEMED VISION CARE | $2K | — | $2K | 9.96% |
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 | 295 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 297 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 384 | $1.8M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 586 | $280K |
| Vision | EYEMED VISION CARE | 311 | $19K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 586 | $280K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 586 | $280K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 586 | $280K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 384 | $1.8M |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 586 | $280K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 586 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.