| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 | UNKNOWN CHICAGO, IL 60604 | AETNA LIFE INSURANCE COMPANY | $16K | $14K | $30K | 0.88% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATONAL MIDWEST LIMITED | 203 NORTH LA SALLE STREET CHICAGO, IL 60601 | AETNA LIFE INSURANCE COMPANY | $7K | $0 | $7K | 0.20% |
| NATIONAL INS MARKETING BROKERS3 Filed as: NATIONAL INS. MARKETING BROKERS LLC | 4551 WEST 107TH STREET, SUITE 310 OVERLAND PARK, KS 66207 | AMERICAN UNITED LIFE INSURANCE COMPANY | $25K | $0 | $25K | 15.00% |
| NATIONAL INS MARKETING BROKERS3 Filed as: NATIONAL INS. MARKETING BROKERS LLC | 4551 WEST 107TH STREET, SUITE 310 OVERLAND PARK, KS 66207 | SUN LIFE ASSURANCE COMPANY OF CANADA | $35K | $0 | $35K | 38.20% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 7219GRAND RIVER ROAD BRIGHTON, MI 48114 | SUN LIFE ASSURANCE COMPANY OF CANADA | $7K | $0 | $7K | 7.84% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 5600 NEW KING DRIVE, SUITE 210 TROY, MI 48098 | SUN LIFE ASSURANCE COMPANY OF CANADA | $0 | $7K | $7K | 7.36% |
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 | 230 | 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) | 230 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 628 | $3.5M |
| Dental | AETNA LIFE INSURANCE COMPANY | 628 | $3.5M |
| Vision | AETNA LIFE INSURANCE COMPANY | 628 | $3.5M |
| Life insurance | AMERICAN UNITED LIFE INSURANCE COMPANY | 597 | $164K |
| Short-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 597 | $164K |
| Long-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 597 | $164K |
| Prescription drug | AETNA LIFE INSURANCE COMPANY | 628 | $3.5M |
| Other(3 contracts, 3 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 675 | $269K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 675 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.