| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STHEALTH BENEFIT SOLUTIONS LLC3 | 18940 NORTH PIMA ROAD SUITE 210 SCOTTSDALE, AZ 85260 | SYMETRA LIFE INSURANCE COMPANY | — | $35K | $35K | 3.93% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 15162 COLLECTIONS CENTER DRIVE CHICAGO, IL 60693 | SUN LIFE ASSURANCE COMPANY OF CANADA | $27K | $10K | $37K | 11.78% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 55 EAST JACKSON BOULEVARD CHICAGO, IL 60604 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $40K | $5K | $45K | 22.72% |
| JEROD THOMAS SPAETH3 | 330 EAST KILBOURN AVENUE SUITE 950 MILWAUKEE, WI 53202 | NORTHWESTERN MUTUAL | $5K | $1K | $7K | 4.84% |
| LUEDER FNCL GRP LLC3 | 330 EAST KILBOURN AVENUE SUITE 950 MILWAUKEE, WI 53202 | NORTHWESTERN MUTUAL | $1K | $129 | $1K | 0.87% |
| 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 | 8.09% |
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 | 718 | 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) | 718 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | WYSSTA INSURANCE COMPANY INC | 520 | $87K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 718 | $316K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 718 | $316K |
| Long-term disability(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 718 | $455K |
| Stop-loss / reinsurancereinsurance | SYMETRA LIFE INSURANCE COMPANY | 624 | $904K |
| Other(3 contracts, 3 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 718 | $654K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 718 | — |
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.