| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD RD STE 300 KIRKWOOD, MO 631224042 | METROPOLITAN LIFE INSURANCE COMPANY | $45K | $60K | $106K | 3.90% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 15162 COLLECTION CENTER DR CHICAGO, IL 606930151 | METROPOLITAN LIFE INSURANCE COMPANY | $57K | $45 | $58K | 2.12% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 16253 COLLECTION CENTER DR 40 W MADISON 4TH FL CHICAGO, IL 606930162 | METROPOLITAN LIFE INSURANCE COMPANY | — | $32K | $32K | 1.20% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 3390 UNIVERSITY AVE SUITE 300 RIVERSIDE, CA 92501 | GUARDIAN | $152K | $42K | $194K | 11.24% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N. KIRKWOOD ROAD SUITE 300 KIRKWOOD, MO 63122 | GUARDIAN | $34K | — | $34K | 1.95% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 3390 W UNIVERSITY SUITE 300 RIVERSIDE, CA 92501 | GUARDIAN | $44K | $9K | $53K | 15.57% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD RD STE 300 KIRKWOOD, MO 631224042 | GUARDIAN | $17K | — | $17K | 5.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LIMITED - | 55 E. JACKSON BLVD. CHICAGO, IL 60604 | EYE MED ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE COMPANY | $25K | — | $25K | 10.81% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 55 E JACKSON BLVD FL 14 CHICAGO, IL 606044466 | METROPOLITAN LIFE INSURANCE COMPANY | $29K | $45 | $29K | 23.12% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD RD STE 300 KIRKWOOD, MO 631224042 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $1K | $3K | 2.53% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 16253 COLLECTION CENTER DR 40 W MADISON 4TH FL CHICAGO, IL 606930162 | METROPOLITAN LIFE INSURANCE COMPANY | — | $1K | $1K | 1.12% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 15162 COLLECTION CENTER DR CHICAGO, IL 606930151 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | $45 | $9K | 16.24% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD RD STE 300 KIRKWOOD, MO 631224042 | METROPOLITAN LIFE INSURANCE COMPANY | $856 | $464 | $1K | 2.31% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 16253 COLLECTION CENTER DR 40 W MADISON 4TH FL CHICAGO, IL 606930162 | METROPOLITAN LIFE INSURANCE COMPANY | — | $588 | $588 | 1.03% |
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 | 1,880 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 48 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,928 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 703 | $181K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 3,981 | $2.7M |
| Vision | EYE MED ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE COMPANY | 3,613 | $235K |
| Life insurance | GUARDIAN | 2,091 | $1.7M |
| Short-term disability | GUARDIAN | 2,091 | $1.7M |
| Long-term disability(2 contracts) | GUARDIAN | 2,091 | $2.1M |
| Stop-loss / reinsurancereinsurance | AETNA LIFE INSURANCE COMPANY | 1,880 | $2.3M |
| Other | GUARDIAN | 2,091 | $1.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,981 | — |
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.