| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF FLORIDA3 Filed as: BLUE CROSS BLUE SHIELD OF KANSAS | 1133 SW TOPEKA BLVD TOPEKA, KS 66629 | BLUE CROSS BLUE SHIELD OF KANSAS | — | $79K | $79K | 4.97% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 777 SW 37TH AVE #500 MIAMI, FL 33135 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 13.82% |
| ADP INC3 | PO BOX 842875 BOSTON, MA 02284 | STANDARD INSURANCE COMPANY | — | $385 | $385 | 2.80% |
| ADP INC3 Filed as: ADP INC. | PO BOX 842875 BOSTON, MA 02284 | STANDARD INSURANCE COMPANY | — | $97 | $97 | 0.70% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 777 SW 37TH AVE #500 MIAMI, FL 33135 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 14.65% |
| ADP INC3 Filed as: ADP, INC. | PO BOX 842875 BOSTON, MA 02284 | STANDARD INSURANCE COMPANY | — | $371 | $371 | 2.80% |
| ADP INC3 Filed as: ADP, INC. | PO BOX 842875 BOSTON, MA 02284 | STANDARD INSURANCE COMPANY | — | $92 | $92 | 0.69% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 777 SW 37TH AVE #500 MIAMI, FL 33135 | STANDARD INSURANCE COMPANY | $1K | — | $1K | 15.00% |
| ADP INC Filed as: ADP INC. | PO BOX 842875 BOSTON, MA 02284 | STANDARD INSURANCE COMPANY | — | $220 | $220 | 2.80% |
| ADP INC3 | PO BOX 842875 BOSTON, MA 02284 | STANDARD INSURANCE COMPANY | — | $55 | $55 | 0.70% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST, LLC | 777 SW 37TH AVE MIAMI, FL 33135 | STANDARD INSURANCE COMPANY | $471 | — | $471 | 11.63% |
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 | 198 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 198 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF KANSAS | 198 | $1.6M |
| Dental | BLUE CROSS BLUE SHIELD OF KANSAS | 198 | $1.6M |
| Vision | STANDARD INSURANCE COMPANY | 77 | $4K |
| Life insurance | STANDARD INSURANCE COMPANY | 153 | $13K |
| Short-term disability | STANDARD INSURANCE COMPANY | 144 | $14K |
| Long-term disability | STANDARD INSURANCE COMPANY | 144 | $8K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF KANSAS | 198 | $1.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 198 | — |
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."
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.