| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INSURANCE | SERVICES INC 75 W TOWNE RIDGE PKWY STE 400 TWR 2 SANDY, UT 84070 | UNITEDHEALTHCARE INSURANCE COMPANY | $8K | $71K | $79K | 4.20% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 1411 OPUS PL STE 450 DOWNERS GROVE, IL 60515 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $4K | $4K | 0.21% |
| PARAGON PARTNERS LTD3 | 9420 E DOUBLETREE RANCH RD STE C103 SCOTTSDALE, AZ 85258 | UNITEDHEALTHCARE INSURANCE COMPANY | $2K | — | $2K | 0.12% |
| GCG FINANCIAL LLC3 Filed as: BANASKY AN ALERA INSURANCE | AGENCY LLC 913 W BAXTER DR SOUTH JORDAN, UT 84095 | UNITEDHEALTHCARE INSURANCE COMPANY | $839 | — | $839 | 0.04% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS SERVICES INC | DBA SPECTRA 75 W TOWNE RIDGE PKWY STE 400 SANDY, UT 84070 | PRINCIPAL LIFE INSURANCE COMPANY | $15K | — | $15K | 11.38% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL LIMITED | 150 N RIVERSIDE PLZ STE 1700 CHICAGO, IL 60606 | PRINCIPAL LIFE INSURANCE COMPANY | — | $4K | $4K | 2.66% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | PO BOX 2158 RIVERSIDE, CA 92516 | EDUCATORS MUTUAL PLANS LIFE ACCIDENT AND HEALTH INC | $394 | — | $394 | — |
| GCG FINANCIAL LLC3 Filed as: BANASKY AN ALERA AGENCY | 891 BAXTER DRIVE SOUTH JORDAN, UT 84095 | EDUCATORS MUTUAL PLANS LIFE ACCIDENT AND HEALTH INC | $81 | — | $81 | — |
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 | 114 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 114 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 525 | $1.9M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 525 | $1.9M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 525 | $1.9M |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 216 | $132K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 216 | $132K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 216 | $132K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 525 | $1.9M |
| Other(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 281 | $132K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 525 | — |
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.
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.