| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED Filed as: HUB INTERNATIONAL MIDWEST LTD | 55 E JACKSON BLVD CHICAGO, IL 60604 | WELLMARK HEALTH PLAN OF IOWA, INC. | $64K | — | $64K | 0.89% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 55 E JACKSON BLVD 14A CHICAGO, IL 60604 | RELIASTAR LIFE INSURANCE COMPANY | $32K | — | $32K | 7.50% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 55 E JACKSON BLVD 14A CHICAGO, IL 60604 | RELIASTAR LIFE INSURANCE COMPANY | $23K | — | $23K | 5.41% |
| AMWINS5 | 50 WHITECAP DRIVE N KINGSTON, RI 02852 | TRANSAMERICA FINANCIAL LIFE INSURANCE CO | $7K | — | $7K | 11.42% |
| HUB INTERNATIONAL MIDWEST LIMITED5 Filed as: HUB INTERNATIONAL MIDWEST LIMIT | 55 E JACKSON BLVD CHICAGO, IL 60604 | TRANSAMERICA FINANCIAL LIFE INSURANCE CO | — | $2K | $2K | 3.45% |
| HUB INTERNATIONAL MIDWEST LIMITED Filed as: HUB INTERNATIONAL NORTHWEST LIMITED | 55 E JACKSON BLVD, 12TH FLOOR CHICAGO, IL 60604 | FOUR EVER LIFE INS. CO. | $4K | — | $4K | 7.57% |
| WELLMARK INC Filed as: WELLMARK INC. ANCILLARY MARKETING | PO BOX 10481 DES MOINES, IA 50306 | FOUR EVER LIFE INS. CO. | — | $2K | $2K | 3.79% |
| AMWINS5 | 50 WHITECAP DRIVE N KINGSTON, RI 02852 | EXPRESS SCRIPTS, INC. | $2K | — | $2K | 9.13% |
| HUB INTERNATIONAL MIDWEST LIMITED5 Filed as: HUB INTERNATIONAL MIDWEST | 55 E JACKSON BLVD CHICAGO, IL 60604 | EXPRESS SCRIPTS, INC. | — | $447 | $447 | 2.28% |
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 | 687 | 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) | 687 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 4 carriers) | WELLMARK HEALTH PLAN OF IOWA, INC. | 628 | $7.5M |
| Dental | DELTA DENTAL OF IOWA | 643 | $0 |
| Life insurance | RELIASTAR LIFE INSURANCE COMPANY | 687 | $426K |
| Long-term disability | RELIASTAR LIFE INSURANCE COMPANY | 687 | $426K |
| Prescription drug(2 contracts, 2 carriers) | EXPRESS SCRIPTS, INC. | 652 | $20K |
| Other | RELIASTAR LIFE INSURANCE COMPANY | 687 | $426K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 687 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.