| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCES., INC. | 421 WEST THIRD, SUITE 800 FORT WORTH, TX 76102 | BLUE CROSS BLUE SHIELD OF TEXAS | $222K | — | $222K | 3.90% |
| WELLS FARGO INSURANCE SERVICES3 | 24 GREENWAY PLAZA, SUITE 1100 HOUSTON, TX 77046 | BLUE CROSS BLUE SHIELD OF TEXAS | $0 | $8K | $8K | 0.15% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL TEXAS INC. | 700 N. PEARL STREET, SUITE N1700 DALLAS, TX 75201 | STARMOUNT LIFE INSURANCE COMPANY | $37K | — | $37K | 9.42% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL TEXAS INC | 421 W 3RD STREET SUITE 800 FORT WORTH, TX 76102 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $43K | $18K | $62K | 17.07% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL TEXAS INC | PO BOX 847746 DALLAS, TX 75284 | COMBINED INSURANCE COMPANY OF AMERICA | $107K | — | $107K | 49.91% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL TEXAS INC | 700 N PEARL STREET SUITE 1700 DALLAS, TX 75201 | AMERICAN HERITAGE LIFE | $461 | — | $461 | 3.77% |
| DENNIS M PETERSON3 Filed as: DENNIS PETERSON | P. O. BOX 1703 BOERNE, TX 78006 | AMERICAN HERITAGE LIFE | $359 | — | $359 | 2.94% |
| AON CONSULTING INC3 | 199 WATER STREET NEW YORK, NY 10038 | AMERICAN HERITAGE LIFE | $179 | — | $179 | 1.47% |
| SOUTH TEJAS INSURANCE AGENCY LLC3 Filed as: SOUTH TEJAS INS AGENCY LLC | P. O. BOX 992 BOERNE, TX 78006 | AMERICAN HERITAGE LIFE | $170 | — | $170 | 1.39% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | P. O. BOX 123103 DALLAS, TX 75312 | AMERICAN HERITAGE LIFE | $16 | — | $16 | 0.13% |
| BENEFIT ALLIANCE INC3 | P. O. BOX 1703 FORT WORTH, TX 78006 | AMERICAN HERITAGE LIFE | $15 | — | $15 | 0.12% |
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 | 1,413 | 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) | 1,413 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF TEXAS | 1,413 | $5.7M |
| Dental | STARMOUNT LIFE INSURANCE COMPANY | 434 | $396K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 434 | $396K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 603 | $361K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 603 | $361K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 603 | $361K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF TEXAS | 1,413 | $5.7M |
| Other(3 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 603 | $587K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,413 | — |
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."
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.