| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCES., INC. | 625 KENMOOR AVENUE SOUTHEAST SUITE 200 GRAND RAPIDS, MI 49546 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $87K | $87K | 3.32% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCES., INC. | 500 COUNTRY PINE LANE BATTLE CREEK, MI 49015 | ALLSTATE | $10K | $0 | $10K | 14.15% |
| SHAWN J KEELER3 Filed as: SHAWN J. KEELER | 2209 1ST AVENUE PLATTSMOUTH, NE 68048 | ALLSTATE | $10K | $0 | $10K | 13.24% |
| RALPH H KEELER3 Filed as: RALPH H. KEELER | 10114 SYDNEY LANE PLATTSMOUTH, NE 68148 | ALLSTATE | $5K | $0 | $5K | 6.60% |
| RALPH H KEELER3 Filed as: RALPH H. KEELER | 10114 SYDNEY LANE PLATTSMOUTH, NE 68048 | ALLSTATE | $4K | $0 | $4K | 5.42% |
| KEELER & ASSOCIATES3 Filed as: KEELER AND ASSOCIATES | 2209 1ST AVENUE PLATTSMOUTH, NE 68048 | ALLSTATE | $464 | $0 | $464 | 0.64% |
| HOWARD B LABOW3 Filed as: HOWARD B. LABOW | 666 DUNDEE ROAD, SUITE 1603 NORTHBROOK, IL 60062 | ALLSTATE | $166 | $0 | $166 | 0.23% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP, INC. | 811 MADISON AVENUE TOLEDO, OH 43604 | ALLSTATE | $157 | $0 | $157 | 0.22% |
| RALPH H KEELER3 Filed as: RALPH H. KEELER | 2209 1ST AVENUE PLATTSMOUTH, NE 68048 | ALLSTATE | $55 | $0 | $55 | 0.08% |
| YONI LABOW3 | 666 DUNDEE ROAD, SUITE 1603 NORTHBROOK, IL 60062 | ALLSTATE | $34 | $0 | $34 | 0.05% |
| MAIA LABOW3 | 666 DUNDEE ROAD, SUITE 1603 NORTHBROOK, IL 60062 | ALLSTATE | $7 | $0 | $7 | 0.01% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCES., INC. | 16253 COLLECTION CENTER DRIVE CHICAGO, IL 60693 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $0 | $4K | 5.62% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCES., INC. | 16253 COLLCETION CENTER DRIVE CHICAGOL, IL 60693 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $0 | $2K | 3.01% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCES., INC. | 16253 COLLECTIONS CENTER DRIVE CHICAGO, IL 60693 | VISION SERVICE PLAN | $2K | $0 | $2K | 3.86% |
| SHAWN J KEELER3 Filed as: SHAWN J. KEELER | 2209 1ST AVENUE PLATTSMOUTH, NE 68048 | ALLSTATE | $227 | $0 | $227 | 11.49% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCES, INC. | 500 COUNTRY PINE LANE BATTLE CREEK, MI 49015 | ALLSTATE | $212 | $0 | $212 | 10.73% |
| RALPH H KEELER3 Filed as: RALPH H. KEELER | 10114 SYDNEY LANE PLATTSMOUTH, NE 68148 | ALLSTATE | $193 | $0 | $193 | 9.77% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP, INC. | 811 MADISON AVENUE TOLEDO, OH 43604 | ALLSTATE | $29 | $0 | $29 | 1.47% |
| HOWARD B LABOW3 Filed as: HOWARD B. LABOW | 666 DUNDEE ROAD, SUITE 1603 NORTHBROOK, IL 60062 | ALLSTATE | $13 | $0 | $13 | 0.66% |
| KEELER & ASSOCIATES3 Filed as: KEELER AND ASSOCIATES | 2209 1ST AVENUE PLATTSMOUTH, NE 68048 | ALLSTATE | $9 | $0 | $9 | 0.46% |
| STEPHEN MAIN3 | 7042 HICKORY HOLLOW CIRCLE CLARKSTON, MI 48348 | ALLSTATE | $2 | $0 | $2 | 0.10% |
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 | 340 | 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) | 340 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 734 | $2.6M |
| Vision | VISION SERVICE PLAN | 467 | $46K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $68K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $68K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 734 | $2.6M |
| Other(3 contracts, 2 carriers) | ALLSTATE | 38 | $143K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 734 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.