| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL GREAT PLAINS, LLC | 11516 MIRACLE HILLS DRIVE SUITE 100 OMAHA, NE 68154 | AETNA LIFE INSURANCE COMPANY | $32K | $5K | $37K | 1.69% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: SILVERSTONE GROUP, LLC | 11516 MIRACLE HILLS DRIVE SUITE 100 OMAHA, NE 68154 | AETNA LIFE INSURANCE COMPANY | $22K | $12K | $34K | 1.56% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL GREAT PLAINS | 11516 MIRACLE HILLS DRIVE SUITE 100 OMAHA, NE 68154 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $24K | $6K | $30K | 17.30% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL GREAT PLAINS LLC | PO BOX 542006 OMAHA, NE 68154 | AMERITAS LIFE INSURANCE CORP | $15K | $0 | $15K | 9.53% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS SVCS INC | 40 EAST ALAMAR AVENUE SANTA BARBARA, CA 93105 | AMERITAS LIFE INSURANCE CORP | $0 | $3K | $3K | 1.80% |
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 | 199 | 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) | 200 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 358 | $2.2M |
| Dental | AMERITAS LIFE INSURANCE CORP | 354 | $153K |
| Vision | AMERITAS LIFE INSURANCE CORP | 354 | $153K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 199 | $175K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 199 | $175K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 199 | $175K |
| Prescription drug | AETNA LIFE INSURANCE COMPANY | 358 | $2.2M |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 199 | $175K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 358 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.