| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 | 2120 PEWAUKEE RD SUITE 202 WAUKESHA, WI 53188 | COMPCARE HEALTH SERVICES INSURANCE CORPORATION | $9K | — | $9K | 4.09% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 2124 KOHLER MEMORIAL DT #300 SHEBOYGAN, WI 53081 | STARMOUNT LIFE INSURANCE COMPANY | $5K | — | $5K | 10.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 2124 KOHLER MEMORIAL DT #300 SHEBOYGAN, WI 53081 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 8.07% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N. KIRKWOOD ROAD STE 300 KIRKWOOD, MO 63122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $2K | $2K | 5.27% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 55 E JACKSON 12TH FL CHICAGO, IL 60604 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $776 | $776 | 2.47% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 2124 KOHLER MEMORIAL DT #300 SHEBOYGAN, WI 53081 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 13.37% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N. KIRKWOOD ROAD STE 300 KIRKWOOD, MO 63122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $1K | $1K | 5.27% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 55 E JACKSON 12TH FL CHICAGO, IL 60604 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $549 | $549 | 2.47% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 2124 KOHLER MEMORIAL DT #300 SHEBOYGAN, WI 53081 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $816 | — | $816 | 12.72% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N. KIRKWOOD ROAD STE 300 KIRKWOOD, MO 63122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $338 | $338 | 5.27% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 55 E JACKSON 12TH FL CHICAGO, IL 60604 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $160 | $160 | 2.49% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| COMPCARE HEALTH SERVICES INSURANCE EIN 39-1462554 CLAIMS PROCESSING | Float revenue; Claims processing; Other services; Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | — | $50K |
| INGENIORX, INC. EIN 82-3062245 CLAIMS PROCESSING | Other services; Contract Administrator; Claims processing; Float revenue; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | — | -$23K |
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 | 148 | 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) | 148 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | STARMOUNT LIFE INSURANCE COMPANY | 121 | $54K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 195 | $6K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 195 | $31K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 195 | $22K |
| Stop-loss / reinsurancereinsurance | COMPCARE HEALTH SERVICES INSURANCE CORPORATION | 196 | $226K |
| Other | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 195 | $6K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 196 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.