| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: DANIEL LAROCK HUB INT. GREAT PLAINS | 11516 MIRACLE HILLS DRIVE, STE 102 OMAHA, NE 68154 | HEALTHPARTNERS ADMINSTRATORS, INC | — | $45K | $45K | 11.42% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: DANIEL LAROCK HUB INT. GREAT PLAINS | 11516 MIRACLE HILLS DRIVE, STE 102 OMAHA, NE 68154 | HEALTHPARTNERS ADMINSTRATORS, INC | — | $8K | $8K | 1.95% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INT. GREAT PLAINS - GRANT M | 11516 MIARCLE HILLS DR SUITE 100 OMAHA, NE 68154 | DELTA DENTAL OF MINNESOTA | $16K | — | $16K | 5.48% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: SILVERSTONE GROUP - GRANT MATTHIES | 11516 MIARCLE HILLS DR SUITE 100 OMAHA, NE 68154 | DELTA DENTAL OF MINNESOTA | $1K | — | $1K | 0.46% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL GREAT PLAINS | 3390 UNIVERSITY AVE STE 300 RIVERSIDE, CA 92501 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $24K | — | $24K | 15.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL GREAT | 11516 MIRACLE HILLS DRIVE, STE 100 OMAHA, NE 68154 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $4K | — | $4K | 10.00% |
| ONPOINT INSURANCE SERVICES LLC3 | 3285 47TH ST S FARGO, ND 58104 | STANDARD INSURANCE COMPANY | $789 | — | $789 | 2.88% |
| ONPOINT INSURANCE SERVICES LLC3 | 3285 47TH ST S FARGO, ND 58104 | STANDARD INSURANCE COMPANY | $532 | — | $532 | 6.00% |
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 | 481 | 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) | 481 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTHPARTNERS ADMINSTRATORS, INC | 528 | $398K |
| Dental | DELTA DENTAL OF MINNESOTA | 553 | $289K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 500 | $41K |
| Life insurance(2 contracts, 2 carriers) | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 464 | $170K |
| Short-term disability | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 464 | $161K |
| Long-term disability(2 contracts, 2 carriers) | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 464 | $188K |
| Stop-loss / reinsurancereinsurance | HEALTHPARTNERS ADMINSTRATORS, INC | 528 | $398K |
| Other(2 contracts, 2 carriers) | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 464 | $170K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 553 | — |
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.