| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FST ASSOCIATES INC3 | 55 W MONROE ST STE 500 CHICAGO, IL 60603 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $12K | $5K | $16K | 17.70% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 55 E JACKSON CHICAGO, IL 60693 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 2.28% |
| FST ASSOCIATES INC3 | 55 W MONROE ST STE 500 CHICAGO, IL 60603 | UNITED OF OMAHA LIFE INSURANCE | $4K | $1K | $5K | 16.72% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 55 E JACKSON CHICAGO, IL 60693 | UNITED OF OMAHA LIFE INSURANCE | $841 | — | $841 | 2.88% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 55 E JACKSON CHICAGO, IL 60693 | KANAWAH INSURANCE COMAPNY | $11K | $254 | $11K | 41.39% |
| FST ASSOCIATES INC3 | 55 W MONROE ST STE 500 CHICAGO, IL 60603 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $9K | $11K | 58.91% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 55 E JACKSON CHICAGO, IL 60693 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $547 | — | $547 | 2.89% |
| FST ASSOCIATES INC3 Filed as: FST ASSOCIATES | 55 W MONROE ST STE 500 CHICAGO, IL 60603 | UNITED OF OMAHA LIFE INSURANCE | $1K | $652 | $2K | 13.50% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 55 E JACKSON CHICAGO, IL 60693 | UNITED OF OMAHA LIFE INSURANCE | $197 | — | $197 | 1.51% |
| FST ASSOCIATES INC3 | 55 W MONROE ST STE 500 CHICAGO, IL 60603 | UNITED OF OMAHA LIFE INSURANCE | $746 | $283 | $1K | 16.72% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 55 E JACKSON CHICAGO, IL 60693 | UNITED OF OMAHA LIFE INSURANCE | $178 | — | $178 | 2.89% |
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 | 1,424 | 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) | 1,424 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE | 652 | $19K |
| Short-term disability(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 870 | $111K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE | 119 | $29K |
| Other(3 contracts, 2 carriers) | KANAWAH INSURANCE COMAPNY | 652 | $46K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 870 | — |
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.