| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 15162 COLLECTIONS CENTER DRIVE CHICAGO, IL 60693 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 7.98% |
| M3 INSURANCE SOLUTIONS INC3 | PO BOX 8950 828 JOHN NOLEN DR MADISON, WI 537088950 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $682 | $2K | 5.69% |
| WATCHTOWER TECHNOLOGIES INC3 | 2734 NORTH MILDRED AVE., #3 CHICAGO, IL 60614 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $212 | $212 | 0.49% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 15162 COLLECTIONS CENTER DRIVE CHICAGO, IL 60693 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | — | $4K | 9.83% |
| M3 INSURANCE SOLUTIONS INC3 | PO BOX 5620 828 JOHN NOLEN DR MADISON, WI 537088950 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $701 | $3K | 6.81% |
| WATCHTOWER TECHNOLOGIES INC3 | 2734 NORTH MILDRED AVE., #3 CHICAGO, IL 60614 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $221 | $221 | 0.52% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 15162 COLLECTIONS CENTER DRIVE CHICAGO, IL 60693 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 7.38% |
| M3 INSURANCE SOLUTIONS INC3 | PO BOX 8950 828 JOHN NOLEN DRIVE MADISON, WI 537088950 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $515 | $2K | 4.86% |
| WATCHTOWER TECHNOLOGIES INC3 | 2734 NORTH MILDRED AVE., #3 CHICAGO, IL 60614 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $204 | $204 | 0.49% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL-WAUKESHA | 2120 PEWAUKEE RD STE 202 WAUKESHA, WI 531880000 | WYSSTA INSURANCE COMPANY INC | $1K | — | $1K | 8.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNTAIONAL MIDWEST LTD | 15162 COLLECTIONS CENTER DRIVE CHICAGO, IL 60693 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $890 | — | $890 | 10.16% |
| M3 INSURANCE SOLUTIONS INC3 | 828 JOHN NOLEN DRIVE MADISON, WI 53708 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $442 | $129 | $571 | 6.52% |
| WATCHTOWER TECHNOLOGIES INC3 | 2734 NORTH MILDRED AVE, #3 CHICAGO, IL 60614 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $56 | $56 | 0.64% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNTAIONAL MIDWEST LTD | 15162 COLLECTIONS CENTER DRIVE CHICAGO, IL 60693 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $839 | — | $839 | 9.76% |
| M3 INSURANCE SOLUTIONS INC3 | PO BOX 8950 828 JOHN NOLEN DRIVE MADISON, WI 53708 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $454 | $122 | $576 | 6.70% |
| WATCHTOWER TECHNOLOGIES INC3 | 2734 NORTH MILDRED AVE, #3 CHICAGO, IL 60614 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $57 | $57 | 0.66% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 15162 COLLECTIONS CENTER DRIVE CHICAGO, IL 60693 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $852 | — | $852 | 10.08% |
| M3 INSURANCE SOLUTIONS INC3 Filed as: MS INSURANCE SOLUTIONS INC | PO BOX 8950 828 JOHN NOLEN DRIVE MADISON, WI 53708 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $416 | $127 | $543 | 6.42% |
| WATCHTOWER TECHNOLOGIES INC3 | 2734 NORTH MILDRED AVE, #3 CHCIAGO, IL 60614 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $55 | $55 | 0.65% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 15162 COLLECTIONS CENTER DRIVE CHICAGO, IL 60693 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $289 | — | $289 | 10.09% |
| M3 INSURANCE SOLUTIONS INC3 | 828 JOHN NOLEN DR MADISON, WI 537088950 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $141 | $36 | $177 | 6.18% |
| WATCHTOWER TECHNOLOGIES INC3 | 2734 NORTH MILDRED AVE., #3 CHICAGO, IL 60614 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $14 | $14 | 0.49% |
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 | 203 | 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) | 203 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | WYSSTA INSURANCE COMPANY INC | 129 | $19K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 203 | $42K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 81 | $43K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 208 | $43K |
| Stop-loss / reinsurancereinsurance | BERKLEY LIFE | 159 | $386K |
| Other(5 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 203 | $70K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 208 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.