| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BLACK GOULD & ASSOCIATES | 3800 N. CENTRAL AVE, 9TH FL PHOENIX, AZ 85012 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $13K | $13K | $27K | 6.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BLACK GOULD & ASSOCIATES | 3800 N. CENTRAL AVE, 9TH FL PHOENIX, AZ 85012 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $36K | $18K | $54K | 15.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BLACK GOULD & ASSOCIATES | 3800 N. CENTRAL AVE, 9TH FL PHOENIX, AZ 85012 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $33K | $17K | $50K | 15.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BLACK GOULD & ASSOCIATES | 3800 N CENTRAL AVE, 9TH FLOOR PHOEINX, AZ 85012 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $19K | $6K | $25K | 20.00% |
| HUB INTERNATIONAL MIDWEST LIMITED5 Filed as: BLACK, GOULD & ASSOCIATES | 3800 N CENTRATL AVE, 9TH FLOOR PHOENIX, AZ 85012 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $10K | — | $10K | 13.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BLACK GOULD & ASSOCIATES | 3800 N CENTRATL AVE, 9TH FLOOR PHOENIX, AZ 85012 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $12K | — | $12K | 20.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BLACK GOULD & ASSOCIATES | 3800 N CENTRATL AVE, 9TH FLOOR PHOENIX, AZ 85012 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $11K | — | $11K | 20.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BLACK GOULD & ASSOCIATES | 3800 N. CENTRAL AVE, 9TH FL PHOENIX, AZ 85012 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | $2K | $7K | 15.00% |
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 | 0 | 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) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 814 | $444K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 1,563 | $81K |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,026 | $46K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 474 | $360K |
| Other(5 contracts) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,026 | $617K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,563 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Final-filing indicator set. Plan is winding down; don't waste sales effort here.