| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 | 2120 PEWAUKEE RD STE 202 WAUKESHA, WI 531882491 | QBE INSURANCE CORPORATION | $3K | — | $3K | 0.43% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | PO BOX 2158 RIVERSIDE, CA 92516 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 2.25% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC | DBA THE INSURANCE CENTER 701 SAND LAKE ROAD ONALASKA, WI 54650 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 1.42% |
| T I C INC3 Filed as: T.I.C., INC. | 701 SAND LAKE ROAD ONALASKA, WI 54650 | STANDARD INSURANCE COMPANY | $327 | $1K | $2K | 1.19% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | PO BOX 2158 RIVERSIDE, CA 92516 | STANDARD INSURANCE COMPANY | $6K | — | $6K | 5.68% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC | DBA THE INSURANCE CENTER 701 SAND LAKE ROAD ONALASKA, WI 54650 | STANDARD INSURANCE COMPANY | $5K | — | $5K | 4.72% |
| T I C INC3 Filed as: T.I.C., INC. | 701 SAND LAKE ROAD ONALASKA, WI 54650 | STANDARD INSURANCE COMPANY | $4K | $1K | $5K | 4.46% |
| T I C INC3 Filed as: T.I.C., INC. | 701 SAND LAKE ROAD ONLASKA, WI 54650 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $9K | — | $9K | 11.24% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | PO BOX 2158 RIVERSIDE, CA 92516 | STANDARD INSURANCE COMPANY | $5K | — | $5K | 6.63% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC | DBA THE INSURANCE CENTER 701 SAND LAKE ROAD ONALASKA, WI 54650 | STANDARD INSURANCE COMPANY | $4K | — | $4K | 5.50% |
| T I C INC3 Filed as: T.I.C., INC. | 701 SAND LAKE ROAD ONLASKA, WI 54650 | STANDARD INSURANCE COMPANY | $3K | $893 | $4K | 5.33% |
| T.I.C. INC AKA THE INSURANCE CENTER3 Filed as: T.I.C., INC. DBA THE INS CENTER | 701 SAND LAKE ROAD ONALASKA, WI 54650 | NATIONAL VISION ADMINISTRATORS, LLC | $2K | — | $2K | 5.82% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 55 E JACKSON CHICAGO, IL 60604 | NATIONAL VISION ADMINISTRATORS, LLC | $1K | — | $1K | 4.18% |
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 | 363 | 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) | 363 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | NATIONAL VISION ADMINISTRATORS, LLC | 371 | $35K |
| Life insurance | STANDARD INSURANCE COMPANY | 363 | $77K |
| Short-term disability | STANDARD INSURANCE COMPANY | 230 | $109K |
| Long-term disability | STANDARD INSURANCE COMPANY | 364 | $134K |
| Other | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 124 | $79K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 371 | — |
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.
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.