| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 | PO BOX 2158 RIVERSIDE, CA 92516 | MEDICA INSURANCE COMPANY | $216K | $0 | $216K | 3.67% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 8000 NORMAN CENTER DRIVE BLOOMINGTON, MN 55437 | MEDICA INSURANCE COMPANY | $102K | $0 | $102K | 1.73% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 203 NORTH LA SALLE STREET 20TH FLOOR CHICAGO, IL 60601 | METROPOLITAN LIFE INSURANCE COMPANY | $157K | $66 | $157K | 8.91% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62817 VIRGINIA BEACH, VA 23466 | METROPOLITAN LIFE INSURANCE COMPANY | $33K | $3K | $36K | 2.06% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 16253 COLLECTION CENTER DRIVE CHICAGO, IL 60693 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $13K | $13K | 0.74% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62939 VIRGINIA BEACH, VA 23466 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $5 | $5 | 0.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 55 EAST JACKSON BOULEVARD 14TH FLOOR CHICAGO, IL 60604 | METROPOLITAN LIFE INSURANCE COMPANY | $28K | $188 | $28K | 13.48% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 16253 COLLECTION CENTER DRIVE CHICAGO, IL 60693 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $2K | $2K | 0.78% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 55 EAST JACKSON BOULEVARD CHICAGO, IL 60604 | METROPOLITAN GENERAL INSURANCE COMPANY | $3K | $78 | $3K | 7.16% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62817 VIRGINIA BEACH, VA 23466 | METROPOLITAN GENERAL INSURANCE COMPANY | $1K | $147 | $2K | 4.26% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF NEW YORK, INC. | PO BOX 745841 ATLANTA, GA 30374 | METROPOLITAN GENERAL INSURANCE COMPANY | $0 | $115 | $115 | 0.32% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | PO BOX 6650 METAIRIE, LA 70009 | METROPOLITAN GENERAL INSURANCE COMPANY | $0 | $74 | $74 | 0.21% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62989 VIRGINIA BEACH, VA 23466 | METROPOLITAN GENERAL INSURANCE COMPANY | $0 | $69 | $69 | 0.19% |
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 | 637 | 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) | 637 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MEDICA INSURANCE COMPANY | 1,081 | $5.9M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 2,328 | $1.8M |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 2,328 | $1.8M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 2,328 | $1.8M |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 2,328 | $1.8M |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 2,328 | $1.8M |
| Prescription drug | MEDICA INSURANCE COMPANY | 1,081 | $5.9M |
| Other(3 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 2,328 | $2.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,328 | — |
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.