| 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 | UNITEDHEALTHCARE INSURANCE COMPANY | $63K | $0 | $63K | 2.41% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: SILVERSTONE GROUP INCORPORATED | 11516 MIRACLE HILLS DRIVE SUITE 100 OMAHA, NE 68154 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $12K | $12K | 0.46% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL GREAT PLAINS LLC | PO BOX 542006 OMAHA, NE 68154 | AMERITAS LIFE INSURANCE CORP. | $12K | $0 | $12K | 6.04% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONL INSURANCE SERVICES | 40 EAST ALAMAR AVENUE SANTA BARBARA, CA 93105 | AMERITAS LIFE INSURANCE CORP. | $0 | $3K | $3K | 1.30% |
| 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 | $17K | $6K | $23K | 16.37% |
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 | 301 | 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) | 301 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 435 | $2.6M |
| Dental | AMERITAS LIFE INSURANCE CORP. | 627 | $194K |
| Vision | AMERITAS LIFE INSURANCE CORP. | 627 | $194K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 301 | $138K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 301 | $138K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 301 | $138K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 435 | $2.6M |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 301 | $138K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 627 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.