| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST | PO BOX 1027 CLEARWATER, FL 33757 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $164K | $164K | 4.34% |
| INSURE YOUR PEOPLE LLC3 | 40 E RIO SALADO PARKWAY # 900 TEMPE, AZ 85281 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $35K | $35K | 0.93% |
| YOURPEOPLE, INC.3 Filed as: YOURPEOPLE, INC | 303 SECOND STREET NORTH TOWER SUITE 401 SAN FRANCISCO, CA 94107 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $436 | $436 | 0.01% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 4830 W KENNEDY BLVD SUITE 850 TAMPA, FL 336092593 | METROPOLITAN LIFE INSURANCE COMPANY | $21K | $55 | $21K | 7.00% |
| INSUREYOURPEOPLE, LLC3 Filed as: INSUREYOURPEOPLE LLC | 40 E RIO SALADO PKWY, STE 900 TEMPE, AZ 852810233 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $2K | $7K | 2.24% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 16253 COLLECTION CENTER DR 40 W MADISON BANKOF AMERICA LOCKBOX CHICAGO, IL 606930162 | METROPOLITAN LIFE INSURANCE COMPANY | — | $4K | $4K | 1.48% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL FLORIDA | 600 CLEVELAND STREET CLEARWATER, FL 33755 | EYEMED | $4K | — | $4K | 8.41% |
| INSRE YOUR PEOPLE0 | 40 E RIO SALADO PARKWAY TEMPE, AZ 85281 | EYEMED | $913 | — | $913 | 1.88% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE CO EIN 59-1031071 CONTRACT ADMINISTRATOR | Claims processing Service code 12 | — | $189K |
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 | 303 | 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) | 303 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 512 | $3.8M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 1,323 | $298K |
| Vision | EYEMED | 657 | $48K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 1,323 | $298K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 1,323 | $298K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 1,323 | $298K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 1,323 | $298K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,323 | — |
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.
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.