| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 | LERONE A SIDBERRY 1411 OPUS PL STE 450 DOWNERS GROVE, IL 60515 | MEDICA INSURANCE COMPANY | $180K | — | $180K | 4.99% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 55 E JACKSON BLVD FL 14 CHICAGO, IL 606044466 | METROPOLITAN LIFE INSURANCE COMPANY | $128K | $59 | $128K | 9.83% |
| 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 | — | $13K | $13K | 1.01% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 55 E JACKSON BLVD FL 14 CHICAGO, IL 606044466 | METROPOLITAN LIFE INSURANCE COMPANY | $128K | $59 | $128K | 9.83% |
| 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 | — | $13K | $13K | 1.01% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 55 E JACKSON BLVD FL 14 CHICAGO, IL 606044466 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $45 | $5K | 10.21% |
| MACARIO CORPORATION3 | D/B/A THE GROVE AGENCY 25900 AUTUMN WAY ROGERS, MN 553744688 | METROPOLITAN LIFE INSURANCE COMPANY | $565 | — | $565 | 1.14% |
| 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 | — | $460 | $460 | 0.93% |
| JENNON CARUTH3 | 7825 WASHINGTON AVE STE 710 MINNEAPOLIS, MN 554392440 | METROPOLITAN LIFE INSURANCE COMPANY | $1 | $141 | $142 | 0.29% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 55 E JACKSON BLVD 14 CHICAGO, IL 606044466 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $45 | $5K | 10.04% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 16253 COLLECTION CENTER DR 40 W MADISON 4TH FL BANK OF AMAERIC CHICAGO, IL 606930162 | METROPOLITAN LIFE INSURANCE COMPANY | — | $416 | $416 | 0.93% |
| MACARIO CORPORATION3 Filed as: MACARIO CORP D/B/A THE GROVE AGENCY | 25900 AUTUMN WAY ROGERS, MN 553744688 | METROPOLITAN LIFE INSURANCE COMPANY | $138 | — | $138 | 0.31% |
| JENNON CARUTH3 | 7825 WASHINGTON AVE S STE7 710 MINNEAPOLIS, MN 55439 | METROPOLITAN LIFE INSURANCE COMPANY | — | $110 | $110 | 0.25% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 55 E JACKSON BLVD FL 14 CHICAGO, IL 606044466 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $45 | $4K | 11.02% |
| MACARIO CORPORATION3 Filed as: MACARIO CORP D/B/A THE GROVE AGENCY | 25900 AUTUMN WAY ROGERS, MN 553744688 | METROPOLITAN LIFE INSURANCE COMPANY | $618 | — | $618 | 1.79% |
| 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 | — | $317 | $317 | 0.92% |
| JENNON CARUTH3 | 7825 WASHINGTON AVE S STE 710 MINNEAPOLIS, MN 554392440 | METROPOLITAN LIFE INSURANCE COMPANY | $7 | $84 | $91 | 0.26% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 55 E JACKSON BLVD FL 14 CHICAGO, IL 60604 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $45 | $3K | 10.81% |
| 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 | — | $229 | $229 | 0.92% |
| MACARIO CORPORATION3 Filed as: MACARIO CORP D/B/A THE GROVE AGENCY | 25900 AUTUMN WAY ROGERS, MN 553744688 | METROPOLITAN LIFE INSURANCE COMPANY | $153 | — | $153 | 0.61% |
| JENNON CARUTH3 | 7825 WASHINGTON AVE S STE7 710 MINNEAPOLIS, MN 554392440 | METROPOLITAN LIFE INSURANCE COMPANY | $8 | $53 | $61 | 0.24% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 55 EAST JACKSON BLVD CHICAGO, IL 60604 | METLIFE LEGAL PLANS | $896 | $64 | $960 | 6.90% |
| CHRISTENSEN GROUP INC3 | 9855 W 78TH ST STE 100 EDEN PRAIRIE, MN 55344 | METLIFE LEGAL PLANS | $896 | — | $896 | 6.44% |
| CHRISTENSEN GROUP INC3 Filed as: THE CHRISTENSEN GROUP | 11100 BREN ROAD WEST MINNETONKA, MN 55343 | METLIFE LEGAL PLANS | — | $86 | $86 | 0.62% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATOINAL MIDWEST LTD | OPERATING WEST ACCOUNT PO BOX 2158 RIVERSIDE, CA 92516 | METLIFE LEGAL PLANS | — | $31 | $31 | 0.22% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 55 EAST JACKSON BLVD CHICAGO, IL 60604 | METLIFE LEGAL PLANS | — | $11 | $11 | 0.08% |
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 | 1,756 | 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) | 1,756 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | MEDICA INSURANCE COMPANY | 700 | $3.7M |
| Dental(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 1,756 | $2.6M |
| Vision(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 1,756 | $2.6M |
| Life insurance(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 1,756 | $2.6M |
| Short-term disability(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 1,756 | $2.6M |
| Long-term disability(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 1,756 | $2.6M |
| Other(5 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,756 | $2.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,756 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.