| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 | 628 GREEN VALLEY ROAD STE 300 GREENSBORO, NC 27408 | PRINCIPAL LIFE INSURANCE COMPANY | $32K | — | $32K | 4.94% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL LIMITED | 150 N RIVERSIDE PLZ STE 1700 CHICAGO, IL 60606 | PRINCIPAL LIFE INSURANCE COMPANY | — | $20K | $20K | 3.11% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 1330 LADY ST STE 202 COLUMBIA, SC 29201 | HARTFORD LIFE AND ACCIDENT | $16K | — | $16K | 23.03% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 1591 GALBRAITH AVE SE GRAND RAPIDS, MI 49546 | HARTFORD LIFE AND ACCIDENT | — | $2K | $2K | 2.39% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES TX, LLC | 1250 S CAPITAL OF TEXAS HWY BL 2 AUSTIN, TX 78746 | HARTFORD LIFE AND ACCIDENT | — | $178 | $178 | 0.26% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 4401 LEEDS AVE STE 260 NORTH CHARLESTON, SC 29405 | HARTFORD LIFE AND ACCIDENT | $27 | — | $27 | 0.04% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES SE INC | 1901 ROXBOROUGH ROAD STE 300 CHARLOTTE, NC 28211 | HARTFORD LIFE AND ACCIDENT | -$98 | — | -$98 | -0.14% |
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 | 930 | 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) | 930 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 1,315 | $657K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 1,315 | $657K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 1,315 | $657K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 1,315 | $657K |
| Other(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 1,315 | $726K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,315 | — |
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.
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.