| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED Filed as: BENEFIT COMMERCE GROUP LLC | 14300 NORTH NORTHSIGHT BLVD #221 SCOTTSDALE, AZ 852603677 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $102K | $7K | $109K | 12.21% |
| HUB INTERNATIONAL MIDWEST LIMITED Filed as: BENEFIT COMMERCE GROUP LLC | 14300 NORTH NORTHSIGHT BLVD #221 SCOTTSDALE, AZ 852603677 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $14K | $0 | $14K | 7.36% |
| HUB INTERNATIONAL MIDWEST LIMITED Filed as: BENEFIT COMMERCE GROUP LLC | 14300 NORTH NORTHSIGHT BLVD #221 SCOTTSDALE, AZ 852603677 | LIFE INSURANCE COMPANY OF NORTH AMERICAN | $10K | $0 | $10K | 14.65% |
| HUB INTERNATIONAL MIDWEST LIMITED Filed as: BENEFIT COMMERCE GROUP LLC | 14300 NORTH NORTHSIGHT BLVD #221 SCOTTSDALE, AZ 852603677 | LIFE INSURANCE COMPANY OF NORTH AMERICAN | $4K | $0 | $4K | 10.00% |
| ROB VEST4 | 139 DUTCHMANS POINT RD PORT HAYWOOD, VA 23138 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $2K | $0 | $2K | 8.30% |
| LEGAL BENEFITS STOLTZ LLC4 | 8390 E VIA DE VENTURA SUITE 205 SCOTTSDALE, AZ 85258 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $121 | $0 | $121 | 0.63% |
| MITCHELL CROPP4 | 2816 DORR AVE FAIRFAX, VA 22031 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $44 | $0 | $44 | 0.23% |
| JAMES BENSHOOF4 | PO BOX 60 MACOMB, OK 74852 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $31 | $0 | $31 | 0.16% |
| DAVID J MCCLELLAN4 Filed as: DAVID E PAPERNO | 78347 GRAPE ARBOR AVE PALM DESERT, CA 92211 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $25 | $0 | $25 | 0.13% |
| HUB INTERNATIONAL MIDWEST LIMITED Filed as: BENEFIT COMMERCE GROUP LLC | 14300 NORTH NORTHSIGHT BLVD #221 SCOTTSDALE, AZ 852603677 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 27.89% |
| ALL PRO BENEFITS LLC | 8151 E INDIAN BEND RD #107 SCOTTSDALE, AZ 85250 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $811 | — | $811 | 11.14% |
| ROBERT A. PREVITE Filed as: ROBERT A PREVITE | 8151 E INDIAN BEND RD #107 SCOTTSDALE, AZ 85250 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $564 | — | $564 | 7.75% |
| HUB INTERNATIONAL MIDWEST LIMITED Filed as: BENEFIT COMMERCE GROUP LLC | 14300 NORTH NORTHSIGHT BLVD #221 SCOTTSDALE, AZ 852603677 | LIFE INSURANCE COMPANY OF NORTH AMERICAN | $731 | $0 | $731 | 14.99% |
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 | 307 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 315 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 298 | $890K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 231 | $185K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 231 | $185K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICAN | 0 | $67K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICAN | 0 | $37K |
| Other(3 contracts, 3 carriers) | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | 98 | $31K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 298 | — |
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.
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.