| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GLOBAL BENEFITS INC3 Filed as: GLOBAL BENEFITS | 570 LAKE COOK ROAD, SUITE 106 DEERFIELD, IL 60015 | UNITED CONCORDIA INSURANCE COMPANY | $607 | $0 | $607 | 2.32% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS SERVICES, INC | 6565 AMERICAS PARKWAY NE ALBUQUERQUE, NM 87110 | UNITED CONCORDIA INSURANCE COMPANY | -$5 | $0 | -$5 | -0.02% |
| GLOBAL BENEFITS INC3 Filed as: GLOBAL BENEFITS, INC. | 570 LAKE COOK ROAD, SUITE 106 DEERFIELD, IL 60015 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $0 | $3K | 12.50% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS SERVICES, INC | 6565 AMERICAS PARKWAY NE ALBUQUERQUE, NM 87110 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $248 | $89 | $337 | 1.35% |
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 | 125 | 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) | 125 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | PRESBYTERIAN HEALTH PLAN INC | 40 | $490K |
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 68 | $26K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 125 | $25K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 125 | $25K |
| Prescription drug | PRESBYTERIAN HEALTH PLAN INC | 40 | $490K |
| Other | RELIANCE STANDARD LIFE INSURANCE COMPANY | 125 | $25K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 125 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.