| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL LIMITED | UNKNOWN LEAWOOD, KS 66211 | DELTA DENTAL OF KANSAS, INC. | $26K | $0 | $26K | 9.56% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 9200 WARD PARKWAY, SUITE 500 KANSAS CITY, MO 64114 | VISION SERVICE PLAN | $4K | $0 | $4K | 9.99% |
| EMPLOYEE NAVIGATOR, LLC3 Filed as: EMPLOYEE NAVIGATOR LLC | 7979 OLD GEORGETOWN ROAD SUITE 300 BETHESDA, MD 20814 | VISION SERVICE PLAN | $219 | $0 | $219 | 0.50% |
| LORI A. PAYNE4 Filed as: LORI A PAYNE | PO BOX 13 MAPLE HILL, KS 66507 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $762 | $0 | $762 | 15.27% |
| MICHELLE A MILLER4 | 202 WEST 6TH STREET MAPLE HILL, KS 66507 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $56 | $0 | $56 | 1.12% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MID-AMERICA | 425 WEST CAPITOL AVENUE, SUITE 3550 LITTLE ROCK, AR 72201 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $50K | $2K | $52K | 18624.19% |
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 | 224 | 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) | 224 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF KANSAS, INC. | 382 | $276K |
| Vision | VISION SERVICE PLAN | 314 | $44K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 466 | $277 |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 466 | $277 |
| Other(2 contracts, 2 carriers) | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | 466 | $5K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 466 | — |
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.