| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 | 15162 COLLECTIONS CENTER DRIVE CHICAGO, IL 60693 | SUN LIFE ASSURANCE COMPANY OF CANADA | $21K | — | $21K | 8.61% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 55 EAST JACKSON BOULEVARD CHICAGO, IL 60604 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $34K | — | $34K | 18.57% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 330 SOUTH EXECUTIVE DRIVE #200 BROOKFIELD, WI 53005 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 1.43% |
| JEROD THOMAS SPAETH3 | 330 EAST KILBOURN AVENUE SUITE 950 MILWAUKEE, WI 53202 | NORTHWESTERN MUTUAL | $5K | $1K | $7K | 5.28% |
| LUEDER FNCL GRP LLC3 | 330 EAST KILBOURN AVENUE SUITE 950 MILWAUKEE, WI 53202 | NORTHWESTERN MUTUAL | $1K | $125 | $1K | 0.95% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 330 SOUTH EXECUTIVE DRIVE SUITE 200 BROOKFIELD, WI 53005 | WYSSTA INSURANCE COMPANY, INC. | $7K | — | $7K | 8.73% |
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 | 650 | 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) | 650 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | WYSSTA INSURANCE COMPANY, INC. | 461 | $77K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 650 | $250K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 650 | $250K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 650 | $250K |
| Stop-loss / reinsurancereinsurance | GUARDIAN LIFE | 548 | $926K |
| Other(4 contracts, 4 carriers) | GUARDIAN LIFE | 650 | $1.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 650 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.