| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 55 E JACKSON BLVD FL 14 CHICAGO, IL 606044466 | METROPOLITAN LIFE INSURANCE COMPANY | $88K | — | $88K | 9.95% |
| CHRISTENSEN GROUP INC3 | 9855 W 78TH ST STE 100 EDEN PRAIRIE, MN 55344 | METROPOLITAN LIFE INSURANCE COMPANY | $23K | — | $23K | 2.59% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 16253 COLLECTION CENTER DR 40 W MADISON 4TH FL BANK OF AMERICA CHICAGO, IL 606930162 | METROPOLITAN LIFE INSURANCE COMPANY | — | $10K | $10K | 1.12% |
| MACARIO CORPORATION3 | D/B/A THE GROVE AGENCY 25900 AUTUMN WAY ROGERS, MN 553744688 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | — | $4K | 10.30% |
| JENNON CARUTH3 | 7825 WASHINGTON AVE STE 710 MINNEAPOLIS, MN 554392440 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | — | $3K | 6.80% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 55 E JACKSON BLVD FL 14 CHICAGO, IL 606044466 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $45 | $3K | 6.03% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 16253 COLLECTION CENTER DR 40 W MADISON 4TH FL BANK OFAMERICA CHICAGO, IL 606930162 | METROPOLITAN LIFE INSURANCE COMPANY | — | $395 | $395 | 0.93% |
| CHRISTENSEN GROUP INC3 | 9855 W 78TH STREET SUITE 100 EDEN PRAIRIE, MN 55344 | METROPOLITAN LIFE INSURANCE COMPANY | $287 | $0 | $287 | 0.68% |
| MACARIO CORPORATION3 Filed as: MACARIO CORP D/B/A THE GROVE AGENCY | 25900 AUTUMN WAY ROGERS, MN 553744688 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | — | $3K | 10.06% |
| JENNON CARUTH3 | 7825 WASHINGTON AVE S STE 710 MINNEAPOLIS, MN 554392440 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 6.28% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 55 E JACKSON BLVD FL 14 CHICAGO, IL 606044466 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $45 | $1K | 4.74% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 16253 COLLECTION CENTER DR 40 W MADISON 4TH FL BANK OF AMERICA CHICAGO, IL 606930162 | METROPOLITAN LIFE INSURANCE COMPANY | — | $201 | $201 | 0.74% |
| CHRISTENSEN GROUP INC3 | 9855 W 78TH ST STE 100 EDEN PRAIRIE, MN 55344 | METROPOLITAN LIFE INSURANCE COMPANY | $174 | — | $174 | 0.64% |
| MACARIO CORPORATION3 Filed as: MACARIO CORPORATION D/B/A | THE GROVE AGENCY ROGERS, MN 553744688 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | — | $1K | 6.77% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 55 E JACKSON BLVD FL 14 CHICAGO, IL 606044466 | METROPOLITAN LIFE INSURANCE COMPANY | $921 | $45 | $966 | 5.32% |
| JENNON CARUTH3 | 7825 WASHINGTON AVE S STE 710 MINNEAPOLIS, MN 554392440 | METROPOLITAN LIFE INSURANCE COMPANY | $902 | — | $902 | 4.96% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 16253 COLLECTION CENTER DR 40 W MADISON 4THFL BANK OF AMERICA CHICAGO, IL 606930162 | METROPOLITAN LIFE INSURANCE COMPANY | — | $141 | $141 | 0.78% |
| CHRISTENSEN GROUP INC3 | 9855 W 78TH STE 100 EDEN PRAIRIE, MN 55344 | METROPOLITAN LIFE INSURANCE COMPANY | $77 | — | $77 | 0.42% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 55 EAST JACKSON BLVD CHICAGO, IL 60604 | METLIFE LEGAL PLANS | $515 | $45 | $560 | 4.64% |
| CHRISTENSEN GROUP INC3 | 9855 W 78TH ST STE 100 EDEN PRAIRIE, MN 55344 | METLIFE LEGAL PLANS | $515 | — | $515 | 4.27% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATOINAL MIDWEST LTD | 55 E JACKSON BLVD FLOOR 14 CHICAGO, IL 60604 | METLIFE LEGAL PLANS | — | $52 | $52 | 0.43% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 55 EAST JACKSON BLVD CHICAGO, IL 60604 | METLIFE LEGAL PLANS | — | $27 | $27 | 0.22% |
| CHRISTENSEN GROUP INC3 Filed as: THE CHRISTENSEN GROUP | 11100 BREN ROAD WEST MINNETONKA, MN 55343 | METLIFE LEGAL PLANS | — | $2 | $2 | 0.02% |
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 | 1,133 | 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) | 1,133 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 314 | $70K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 1,133 | $884K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 1,133 | $884K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 1,133 | $884K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 1,133 | $884K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 1,133 | $884K |
| Other(3 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,133 | $914K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,133 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.