| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 55 EAST JACKSON BOULEVARD CHICAGO, IL 60604 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $16K | — | $16K | 9.32% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | — | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | — | $7K | $7K | 3.75% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 15162 COLLECTIONS CENTER DRIVE CHICAGO, IL 60693 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 7.18% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 55 EAST JACKSON BOULEVARD CHICAGO, IL 60604 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $920 | — | $920 | 4.14% |
| THOMAS C SMITH3 | 2928 FOSTER CREIGHTON DRIVE NASHVILLE, TN 37204 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $438 | — | $438 | 1.97% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 15162 COLLECTIONS CENTER DRIVE CHICAGO, IL 60693 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $84 | — | $84 | 0.38% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 15162 COLLECTIONS CENTER DRIVE CHICAGO, IL 60693 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $291 | — | $291 | 30.06% |
| HOFF, CHASE3 Filed as: HOFF CHASE | 1776 AMERICAN HERITAGE DRIVE JACKSONVILLE, FL 32224 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $52 | — | $52 | 7.47% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 55 WEST MONROE SUITE 500 CHICAGO, IL 60603 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $52 | — | $52 | 7.47% |
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 | 288 | 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) | 288 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 286 | $177K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 286 | $177K |
| Other(4 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 286 | $201K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 286 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.