| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 | 1411 OPUS PL STE 450 DOWNERS GROVE, IL 605151423 | UNITEDHEALTHCARE INSURANCE COMPANY | $22K | — | $22K | 4.84% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 3635 RIVERSIDE PLAZA DRIVE RIVERSIDE, CA 92506 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $1K | $1K | 0.25% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 55 EAST JACKSON BLVD FLOOR 14 CHICAGO, IL 60604 | NATIONWIDE | $16K | — | $16K | 6.52% |
| FRINGE INSURANCE BENEFITS, INC.3 | 11910 ANDERSON MILL RD AUSTIN, TX 78726 | NATIONWIDE | $12K | — | $12K | 5.13% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 55 EAST JACKSON BLVD, FLOOR 14 CHICAGO, IL 60604 | AMERITAS | $5K | — | $5K | 10.00% |
| FRINGE INSURANCE BENEFITS, INC.3 | 11910 ANDERSON MILL RD AUSTIN, TX 78726 | AMERITAS | $893 | — | $893 | 1.96% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| FRINGE INSURANCE BENEFITS, INC. EIN 74-2616364 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | 11910 ANDERSON MILL RD AUSTIN, TX 78726 | $114K |
| HUB INTERNATIONAL EIN 35-0672425 BROKER | Other commissions Service code 55 | — | $67K |
| FIRST HEALTH EIN 20-1736437 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | 3200 HIGHLAND AVE DOWNERS GROVE, IL 60515 | $20K |
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 | 708 | 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) | 708 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 730 | $694K |
| Dental | AMERITAS | 205 | $46K |
| Vision | AMERITAS | 205 | $46K |
| Short-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 55 | $50K |
| Long-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 55 | $50K |
| Stop-loss / reinsurancereinsurance | NATIONWIDE | 730 | $244K |
| Other | UNITEDHEALTHCARE INSURANCE COMPANY | 55 | $50K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 730 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.