| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST | 1411 OPUS PL STE 450 DOWNERS GROVE, IL 60515 | UNITED HEALTHCARE INSURANCE COMPANY | $910K | — | $910K | 4.13% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST | 3390 UNIVERSITY AVE STE 300 RIVERSIDE, CA 92501 | GUARDIAN | $665K | — | $665K | 17.99% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST | 3390 UNIVERSITY AVE STE 300 RIVERSIDE, CA 92501 | GUARDIAN | — | $78K | $78K | 2.10% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD RD STE 300 KIRKWOOD, MO 63122 | GUARDIAN | $8K | — | $8K | 0.22% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST | 3390 UNIVERSITY AVE STE 300 RIVERSIDE, CA 92501 | GUARDIAN | $377K | $72K | $449K | 12.98% |
| MARK C KENDALL3 | 1591 GLABRAITH AVE SE GRAND RAPIDS, MI 49546 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $58K | — | $58K | 2.78% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST | 1591 GALBRAITH AVE SE GRAND RAPIDS, MI 49546 | BLUE CROSS BLUE SHIELD OF MICHIGAN | — | $2K | $2K | 0.09% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST | 15162 COLLECTION CENTER CHICAGO, IL 60693 | VISION SERVICE PLAN | $59K | — | $59K | 10.94% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST | 2800 S RIVER RD STE 130 DES PLAINES, IL 60018 | VISION SERVICE PLAN | $15K | — | $15K | 2.73% |
| MARK C KENDALL3 Filed as: MARK KENDALL | 1591 GALBRAITH AVE SE GRAND RAPIDS, MI 49546 | BLUE CARE NETWORK OF MICHIGAN | $16K | — | $16K | 3.27% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST | 1591 GALBRAITH AVE SE GRAND RAPIDS, MI 49546 | BLUE CARE NETWORK OF MICHIGAN | — | $485 | $485 | 0.10% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST | PO BOX 6650 METAIRIE, LA 70009 | METROPOLITAN PROPERTY AND CASUALTY | $10K | — | $10K | 10.30% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 55 E JACKSON BLVD CHICAGO, IL 60604 | METROPOLITAN PROPERTY AND CASUALTY | — | $1K | $1K | 1.22% |
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 | 7,141 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 19 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 7,160 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 3,595 | $24.6M |
| Dental | GUARDIAN | 4,966 | $3.5M |
| Vision | VISION SERVICE PLAN | 4,554 | $537K |
| Life insurance | GUARDIAN | 7,160 | $3.7M |
| Short-term disability | GUARDIAN | 7,160 | $3.7M |
| Long-term disability | GUARDIAN | 7,160 | $3.7M |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 499 | $2.6M |
| Other(2 contracts, 2 carriers) | GUARDIAN | 7,160 | $3.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 7,160 | — |
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.