| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NATHAN J. FISER3 Filed as: NATHAN JAMES FISER | 8760 MONROVIA STREET LENEXA, KS 66215 | PRINCIPAL LIFE INSURANCE COMPANY | $8K | $0 | $8K | 4.42% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 9200 WARD PARKWAY, SUITE 500 KANSAS CITY, MO 64114 | STANDARD INSURANCE COMPANY | $3K | $4K | $8K | 9.14% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 9200 WARD PARKWAY, SUITE 500 KANSAS CITY, MO 64114 | STANDARD INSURANCE COMPANY | $12K | $2K | $13K | 39.01% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 9200 WARD PARKWAY, SUITE 500 KANSAS CITY, MO 64114 | HUMANA INSURANCE COMPANY | $2K | $0 | $2K | 9.94% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCS., INC. | 3390 UNIVERSITY AVENUE, SUITE 300 RIVERSIDE, CA 92501 | HUMANA INSURANCE COMPANY | $0 | $1K | $1K | 5.12% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: TRUSS, LLC A DIVISION OF HUB | 9200 WARD PARKWAY, SUITE 500 KANSAS CITY, MO 64114 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 20.01% |
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 | 209 | 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) | 209 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | HUMANA INSURANCE COMPANY | 161 | $23K |
| Life insurance | STANDARD INSURANCE COMPANY | 209 | $83K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 217 | $192K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 217 | $192K |
| Other(3 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 209 | $128K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 217 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.