| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATINAL MIDWEST LIMITED | 55 EAST JACKSON BLVD, FLOOR 12 CHICAGO, IL 60604 | NATIONWIDE | $36K | — | $36K | 10.83% |
| FRINGE INSURANCE BENEFITS, INC.3 Filed as: FRINGE INSURANCE BENEITS, INC | 11910 ANDERSON MILL ROAD AUSTIN, TX 78726 | NATIONWIDE | $17K | — | $17K | 5.09% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 55 EAST JACKSON BOULEVARD CHICAGO, IL 60604 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $16K | $5K | $21K | 19.51% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIWEST LIMITED | 55 JACKSON BLVD, FLOOR 12 CHICAGO, IL 60604 | AMERITAS | $6K | — | $6K | 10.00% |
| FRINGE INSURANCE BENEFITS, INC.3 Filed as: FRINGE INSURANCE BEEFITS, INC | 11910 ANDERSON MILL ROAD AUSTIN, TX 78726 | AMERITAS | $3K | — | $3K | 5.50% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| FRINGE INSURANCE BNEFITS, INC EIN 74-2616364 NONE | Contract Administrator Service code 13 | — | $69K |
| HUB INTERNATIONAL MIDWEST LIMITED EIN 35-0672425 NONE | Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | — | $43K |
| FIRST HEALTH EIN 20-1736437 NONE | Contract Administrator Service code 13 | — | $13K |
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 | 204 | 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) | 204 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | NATIONWIDE | 444 | $336K |
| Dental(2 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 228 | $165K |
| Vision(2 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 228 | $165K |
| Life insurance | NATIONWIDE | 444 | $336K |
| Short-term disability | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 67 | $105K |
| Long-term disability | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 67 | $105K |
| Stop-loss / reinsurancereinsurance | NATIONWIDE | 444 | $336K |
| Other(2 contracts, 2 carriers) | NATIONWIDE | 444 | $442K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 444 | — |
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.