| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SBR SERVICES LLC3 Filed as: SBR SERVICES, LLC | 2300 WINDY RIDGE PKWY SE SUITE 6955 ATLANTA, GA 30339 | SUN LIFE ASSURANCE COMPANY OF CANADA | $57K | — | $57K | 5.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | PO BOX 2158 RIVERSIDE, CA 92516 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $57K | $57K | 4.98% |
| UMR, INC.3 | 115 W WAUSAW AVE WAUSAU, WI 54401 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $6K | $6K | 0.57% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTL MIDWEST LIMITED | ATTN ACCOUNTING 55 E JACKSON BLVD STE 14B CHICAGO, IL 60604 | UNITEDHEALTHCARE INSURANCE COMPANY | $55K | — | $55K | 8.55% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 55 E JACKSON BLVD #14A ATTN EMP BENEFITS DEPT CHICAGO, IL 60604 | RELIASTAR LIFE INSURANCE COMPANY OF CANADA | $33K | — | $33K | 7.71% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS SRVS INC | 6701 CENTER DR W STE 1550 LOS ANGELES, CA 90045 | RELIASTAR LIFE INSURANCE COMPANY OF CANADA | $19K | — | $19K | 4.54% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 55 E JACKSOKN BLVD STE 14B ATTN ACCOUNTING CHICAGO, IL 60604 | UNITEDHEALTHCARE INSURANCE COMPANY | $13K | — | $13K | 10.25% |
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 | 2,322 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 14 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,336 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 901 | $641K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 807 | $122K |
| Life insurance | RELIASTAR LIFE INSURANCE COMPANY OF CANADA | 2,287 | $428K |
| Long-term disability | RELIASTAR LIFE INSURANCE COMPANY OF CANADA | 2,287 | $428K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 884 | $1.1M |
| Other(2 contracts, 2 carriers) | RELIASTAR LIFE INSURANCE COMPANY OF CANADA | 2,631 | $474K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,631 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.