| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL TEXAS, INC. | 421 WEST 3RD STREET, SUITE 800 FORT WORTH, TX 76102 | METROPOLITAN LIFE INSURANCE COMPANY | $18K | $471 | $18K | 5.04% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61187 VIRGINIA BEACH, VA 23466 | METROPOLITAN LIFE INSURANCE COMPANY | $15K | $2K | $17K | 4.69% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 10000 NORTH CENTRAL EXPRESSWAY SUITE 1100 DALLAS, TX 75231 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $21K | $0 | $21K | 6.56% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST, INC. | 9811 KATY FREEWAY, SUITE 500 HOUSTON, TX 77024 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $19K | $0 | $19K | 5.77% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST, INC. | 97600 C NORTH CAPITAL OF TX HIGHWAY SUITE 200 AUSTIN, TX 78731 | STARMOUNT LIFE INSURANCE COMPANY | $3K | $0 | $3K | 6.07% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL TEXAS, INC. | 700 NORTH PEARL STREET SUITE N1700 DALLAS, TX 75201 | STARMOUNT LIFE INSURANCE COMPANY | $3K | $0 | $3K | 5.94% |
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 | 254 | 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) | 254 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 1,684 | $362K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 435 | $46K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 254 | $322K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 254 | $322K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 254 | $322K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 254 | $322K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,684 | — |
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.