| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 | UNKNOWN SEDALIA, MO 65301 | BLUE CROSS BLUE SHIELD OF KANSAS CITY | $18K | $8K | $26K | 2.62% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | UNKNOWN KANSAS CITY, MO 64114 | DELTA DENTAL OF MISSOURI | $2K | $0 | $2K | 3.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 9200 WARD PARKWAY, SUITE 500 KANSAS CITY, MO 64114 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $5K | $0 | $5K | 9.95% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 3635 RIVERSIDE PLAZA DRIVE SUITE 300 RIVERSIDE, CA 92506 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $894 | $0 | $894 | 1.88% |
| IMG5 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $0 | $24 | $24 | 0.05% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 9200 WARD PARKWAY, SUITE 500 KANSAS CITY, MO 64114 | VISION SERVICE PLAN | $957 | $0 | $957 | 6.05% |
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 | 124 | 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) | 124 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF KANSAS CITY | 220 | $977K |
| Dental | DELTA DENTAL OF MISSOURI | 235 | $76K |
| Vision | VISION SERVICE PLAN | 115 | $16K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 120 | $48K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 120 | $48K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF KANSAS CITY | 220 | $977K |
| Other | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 120 | $48K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 235 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.