| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 4830 W KENNEDY BLVD STE 850 TAMPA, FL 336092593 | UNITEDHEALTHCARE INSURANCE COMPANY | $103K | $0 | $103K | 3.00% |
| USI INSURANCE SERVICES LLC3 | 21250 HAWTHORNE BLVD STE 380 TORRANCE, CA 905035504 | UNITEDHEALTHCARE INSURANCE COMPANY | $28K | $0 | $28K | 0.81% |
| USI INSURANCE SERVICES LLC3 | 333 S. GRAND AVE SUITE 1450 LOS ANGELES, CA 90071 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $62K | $26K | $88K | 10.32% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL FLORIDA | 1330 LADY STREET SUITE 202 COLUMBIA, SC 29201 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $45K | $0 | $45K | 5.22% |
| WORKPLACE SOLUTIONS, INC.3 Filed as: WORKPLACE SOLUTIONS INC. | 120 GILLS CREREK PARKWAY COLUMBIA, SC 29209 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $11K | $0 | $11K | 1.23% |
| WINSTON FINANCIAL SERVICES3 Filed as: WINSTON FINANCIAL SERVICES INC | 2399 HWY 34 SOUTH MANASQUAN, NJ 08736 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | $0 | $4K | 0.49% |
| USI INSURANCE SERVICES LLC3 | 21250 HAWTHORNE BLVD STE 380 TORRANCE, CA 905035504 | UNITEDHEALTHCARE INSURANCE COMPANY | $6K | $0 | $6K | 1.20% |
| WORKPLACE SOLUTIONS, INC.3 Filed as: WORKPLACE SOLUTIONS INC. | 120 GILLS CREEK PARKWAY COLUMBIA, SC 29209 | TRANSAMERICA LIFE INSURANCE COMPANY | $23K | $0 | $23K | 21.15% |
| USI INSURANCE SERVICES LLC3 | PO BOX 39000 DEPT 133667 SAN FRANCISCO, CA 941390001 | TRANSAMERICA LIFE INSURANCE COMPANY | $14K | $0 | $14K | 12.93% |
| WINSTON FINANCIAL SERVICES3 Filed as: WINSTON FINANCIAL SERVICES INC | 2399 HWY 34 SOUTH BLDG C-2 MANASQUAN, NJ 08736 | TRANSAMERICA LIFE INSURANCE COMPANY | $13K | $0 | $13K | 12.41% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS SVCS FL | 4830 W KENNEDY BLVD STE 850 TAMPA, FL 33609 | TRANSAMERICA LIFE INSURANCE COMPANY | $1K | $0 | $1K | 1.27% |
| PARAGON PARTNERS LTD3 Filed as: PARAGON PARTNERS LIMITED | 9420 E DOUBLETREE RANCH RD SUITE C-103 SCOTTSDALE, AZ 85258 | TRANSAMERICA LIFE INSURANCE COMPANY | $194 | $0 | $194 | 0.18% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 4830 WEST KENNEDY BLVD STE 850 TAMPA, FL 33609 | TRANSAMERICA LIFE INSURANCE COMPANY | $5K | $0 | $5K | 5.58% |
| USI INSURANCE SERVICES LLC3 | 335 CLUBHOUSE ROAD HUNT VALLEY, MD 21031 | TRANSAMERICA LIFE INSURANCE COMPANY | $4K | $0 | $4K | 4.09% |
| THE BOON INSURANCE AGENCY3 | 6300 BRIDGEPOINT PARKWAY AUSTIN, TX 78730 | TRANSAMERICA LIFE INSURANCE COMPANY | $4K | $0 | $4K | 3.87% |
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 | 2,251 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,252 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | UNITEDHEALTHCARE INSURANCE COMPANY | 366 | $3.9M |
| Dental | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 2,540 | $856K |
| Vision | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 2,540 | $856K |
| Life insurance(2 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 2,540 | $963K |
| Short-term disability | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 2,540 | $856K |
| Long-term disability | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 2,540 | $856K |
| Prescription drug(2 contracts) | UNITEDHEALTHCARE INSURANCE COMPANY | 366 | $3.9M |
| Other(3 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 2,540 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,540 | — |
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.