| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 | 55 E JACKSON BLVD CHICAGO, IL 60604 | UNITEDHEALTHCARE INSURANCE COMPANY | $31K | $140K | $171K | 4.02% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL OF INDIANA LTD | PO BOX 158 EVANSVILLE, IN 47701 | UNITEDHEALTHCARE INSURANCE COMPANY | $14K | — | $14K | 0.32% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 55 E JACKSON BLVD CHICAGO, IL 606044466 | METROPOLITAN LIFE INSURANCE COMPANY | $17K | — | $17K | 8.69% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 16253 COLLECTION CENTER DRIVE 40 W MADISON 4TH FL BANK OF AMERICA CHICAGO, IL 606930162 | METROPOLITAN LIFE INSURANCE COMPANY | — | $3K | $3K | 1.34% |
| FST ASSOCIATION INC3 | 55 W MONROE STREET, STE 500 CHICAGO, IL 606035151 | METROPOLITAN LIFE INSURANCE COMPANY | -$109 | — | -$109 | -0.06% |
| TBX EMPLOYEE BENEFITS LLC3 | 1201 ELM ST STE 4250 DALLAS, TX 752702102 | METROPOLITAN LIFE INSURANCE COMPANY | $18K | $197 | $18K | 19.33% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 55 E JACKSON BLVD FL 14 CHICAGO, IL 606044466 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 1.63% |
| 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 | — | $441 | $441 | 0.47% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 55 E JACKSON CHICAGO, IL 60604 | EYEMED VISION CARE | $2K | — | $2K | 11.36% |
| TBX EMPLOYEE BENEFITS LLC3 | 1201 ELM ST STE 4250 DALLAS, TX 752702102 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $257 | $5K | 33.63% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 55 E JACKSON BLVD FL 14 CHICAGO, ID 606044466 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 13.88% |
| 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 | — | $79 | $79 | 0.49% |
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 | 757 | 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) | 757 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 1,029 | $4.3M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 1,029 | $4.3M |
| Vision | EYEMED VISION CARE | 773 | $17K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 1,823 | $193K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 1,823 | $193K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 1,823 | $193K |
| Other(3 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 1,823 | $302K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,823 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.