| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 | 9200 WARD PARKWAY, SUITE 500 KANSAS CITY, MO 64114 | AMERITAS LIFE INSURANCE CORP | $47K | $0 | $47K | 12.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 1591 GALBRAITH AVENUE SE GRAND RAPIDS, MI 49546 | HARTFORD LIFE INSURANCE COMPANY | $0 | $5K | $5K | 19.20% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 9200 WARD PARKWAY, SUITE 500 KANSAS CITY, MO 64114 | HARTFORD LIFE INSURANCE COMPANY | $542 | $0 | $542 | 1.94% |
| HUB INTERNATIONAL MIDWEST LIMITED4 Filed as: HUB INTERNATIONAL MIDWEST | OFFICE 55 EAST JACKSON BOULEVARD CHICAGO, IL 60604 | PRE-PAID LEGAL SERVICES INC DBA LEGAL SHIELD | $5K | $0 | $5K | 23.40% |
| BROWN & BROWN INSURANCE SERVICES4 Filed as: BROWN & BROWN INS SERVICES INC | 7570 WEST 21ST STREET, NORTH SUITE 1038A WICHITA, KS 67205 | PRE-PAID LEGAL SERVICES INC DBA LEGAL SHIELD | $591 | $0 | $591 | 2.58% |
| NATIONAL INSURANCE MARKETING BROKER4 Filed as: NATIONAL INSURANCE MARKETING | 4551 WEST 107TH STREET, SUITE 310 OVERLAND PARK, KS 66207 | PRE-PAID LEGAL SERVICES INC DBA LEGAL SHIELD | $202 | $0 | $202 | 0.88% |
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 | 1,017 | 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) | 1,017 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AMERITAS LIFE INSURANCE CORP | 954 | $393K |
| Vision | AMERITAS LIFE INSURANCE CORP | 954 | $393K |
| Life insurance | HARTFORD LIFE INSURANCE COMPANY | 1,017 | $28K |
| Short-term disability | HARTFORD LIFE INSURANCE COMPANY | 1,017 | $28K |
| Long-term disability | HARTFORD LIFE INSURANCE COMPANY | 1,017 | $28K |
| Other(3 contracts, 3 carriers) | HARTFORD LIFE INSURANCE COMPANY | 1,136 | $65K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,136 | — |
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."
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.