| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 | 55 EAST JACKSON BOULEVARD SUITE 148 CHICAGO, IL 60604 | QUARTZ HEALTH BENEFIT PLANS CORPORATION | $11K | — | $11K | 3.47% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 251 PROGRESS WAY SUITE 300 WAUNAKEE, WI 53597 | GROUP HEALTH COOPERATIVE OF SOUTH CENTRAL WISCONSIN | $15K | — | $15K | 8.86% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL -MADISON | 55 EAST JACKSON BOULEVARD CHICAGO, IL 60604 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $3K | — | $3K | 5.50% |
| MURPHY INSURANCE SERVICES INC3 | 251 PROGRESS WAY SUITE 300 WAUNAKEE, WI 53597 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 10.48% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATION MIDWEST LTD | 251 PROGRESS WAY SUITE 300 WAUNAKEE, WI 53597 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $319 | $319 | 0.73% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD EMPLO | 55 EAST JACKSON BOULEVARD #14A CHICAGO, IL 60604 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 15.00% |
| MURPHY INSURANCE SERVICES INC3 | 251 PROGRESS WAY SUITE 300 WAUNAKEE, WI 53597 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $813 | — | $813 | 15.11% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 251 PROGRESS WAY SUITE 300 WAUNAKEE, WI 53597 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $40 | $40 | 0.74% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD EMPLO | 55 EAST JACKSON BOULEVARD #14A CHICAGO, IL 60604 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $560 | — | $560 | 11.93% |
| MURPHY INSURANCE SERVICES INC3 | 251 PROGRESS WAY SUITE 300 WAUNAKEE, WI 53597 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $35 | — | $35 | 0.75% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD - HQ | 55 EAST JACKSON BOULEVARD #14A CHICAGO, IL 60604 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $585 | — | $585 | 17.22% |
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 | 260 | 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) | 260 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | QUARTZ HEALTH BENEFIT PLANS CORPORATION | 44 | $493K |
| Dental | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 101 | $46K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 101 | $46K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 222 | $49K |
| Short-term disability(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 222 | $52K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 222 | $44K |
| Prescription drug | QUARTZ HEALTH BENEFIT PLANS CORPORATION | 44 | $325K |
| Other(5 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 222 | $64K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 222 | — |
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.