| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL GREAT PLAINS LLC | 1300 WEST 57TH STREET, SUITE 100 SIOUX FALLS, SD 57108 | SUNLIFE ASSURANCE COMPANY OF CANADA | $75K | $0 | $75K | 8.85% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL GREAT PLAINS LLC | 11516 MIRACLE HILLS DRIVE SUITE 100 OMAHA, NE 68154 | SUNLIFE ASSURANCE COMPANY OF CANADA | $0 | $26K | $26K | 3.12% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 5600 NEW KING DRIVE, SUITE 210 TROY, MI 48098 | SUNLIFE ASSURANCE COMPANY OF CANADA | $0 | $9K | $9K | 1.04% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL GREAT PLAINS LLC | 11516 MIRACLE HILLS DRIVE OMAHA, NE 68154 | FEDERAL INSURANCE COMPANY | $633 | $107 | $740 | 17.52% |
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 | 1,704 | 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) | 1,704 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | SUNLIFE ASSURANCE COMPANY OF CANADA | 1,704 | $847K |
| Short-term disability | SUNLIFE ASSURANCE COMPANY OF CANADA | 1,704 | $847K |
| Long-term disability | SUNLIFE ASSURANCE COMPANY OF CANADA | 1,704 | $847K |
| Other(2 contracts, 2 carriers) | SUNLIFE ASSURANCE COMPANY OF CANADA | 1,704 | $852K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,704 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.