| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 | 5110 MARYLAND WAY STE 250 BRENTWOOD, TN 37027 | STARMOUNT LIFE INSURANCE COMPANY | $11K | $4K | $15K | 13.84% |
| ANT FARM3 | 291 HERTIAGE WALK WOODSTOCK, GA 30188 | STARMOUNT LIFE INSURANCE COMPANY | $0 | $5K | $5K | 5.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 5110 MARYLAND WAY STE 250 BRENTWOOD, TN 37027 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | $4K | $13K | 14.59% |
| ANT FARM3 | 291 HERTIAGE WALK WOODSTOCK, GA 30188 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $4K | $4K | 4.07% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 5110 MARYLAND WAY STE 250 BRENTWOOD, TN 37027 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $1K | $4K | 18.00% |
| ANT FARM3 | 291 HERITAGE WALK WOODSTOCK, GA 30188 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $938 | $938 | 4.13% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 5110 MARYLAND WAY STE 250 BRENTWOOD, TN 37027 | UNUM INSURANCE COMPANY | $1K | $270 | $2K | 18.01% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 5110 MARYLAND WAY STE 250 BRENTWOOD, TN 37027 | UNUM INSURANCE COMPANY | $1K | $237 | $1K | 18.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 5110 MARYLAND WAY STE 250 BRENTWOOD, TN 37027 | UNUM INSURANCE COMPANY | $768 | $153 | $921 | 17.99% |
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 | 142 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 147 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | STARMOUNT LIFE INSURANCE COMPANY | 131 | $107K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 131 | $107K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 143 | $112K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 143 | $89K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 143 | $89K |
| Other(5 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 143 | $134K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 143 | — |
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.