| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NEW ENGLAND LLC | 300 BALLARDVALE STREET WILMINGTON, MA 01887 | STANDARD INSURANCE COMPANY | $12K | $0 | $12K | 6.05% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS SERVICES INC | PO BOX 2158 RIVERSIDE, CA 92516 | STANDARD INSURANCE COMPANY | $0 | $3K | $3K | 1.39% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENAN AGENCY LLC | PO BOX 350 CONSHOHOCKEN, PA 19428 | STANDARD INSURANCE COMPANY | $210 | $0 | $210 | 0.11% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NEW ENGLAND LLC | 300 BALLARDVALE STREET WILMINGTON, MA 01887 | UNITEDHEALTHCARE INSURANCE COMPANY | $4K | $0 | $4K | 2.50% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NEW ENGLAND | 300 BALLARDVALE STREET WILMINGTON, MA 01887 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | $0 | $8K | 16.54% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCCLENAN AGENCY LLC | 4401 NORTHSIDE PARKWAY NW SUITE 800 ATLANTA, GA 30327 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $0 | $4K | 7.99% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN | 250 PEHLE AVENUE, SUITE 400 PARK 80 PLAZA 2 SADDLE BROOK, NJ 07663 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $224 | $224 | 0.45% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NEW ENGLAND LLC | 300 BALLARDVALE STREET WILMINGTON, MA 01887 | ANTHEM HEALTH PLANS OF KY, INC. | $549 | $0 | $549 | 2.47% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENAN AGENCY LLC | PO BOX 350 CONSHOHOCKEN, PA 19428 | ANTHEM HEALTH PLANS OF KY, INC. | -$6 | $0 | -$6 | -0.03% |
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 | 367 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 17 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 384 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 367 | $176K |
| Vision | ANTHEM HEALTH PLANS OF KY, INC. | 306 | $22K |
| Life insurance(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 461 | $231K |
| Short-term disability(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 461 | $231K |
| Long-term disability(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 461 | $231K |
| Other(3 contracts, 3 carriers) | STANDARD INSURANCE COMPANY | 461 | $280K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 461 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.