| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 444 W 47TH ST, SUITE 900 KANSAS CITY, MO 64112 | UNITED CONCORDIA INSURANCE COMPANY | $12K | — | $12K | 3.94% |
| ASSUREDPARTNERS3 Filed as: HDH GROUP, INC. | 210 6TH AVE, 30TH FLOOR, SUITE 3 PITTSBURGH, PA 15222 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $10K | — | $10K | 3.39% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL LIMITED | 55 E JACKSON BLVD, STE 14A CHICAGO, IL 60604 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $2K | $2K | 0.56% |
| LOCKTON COMPANIES, LLC3 | P.O. BOX 843844 KANSAS CITY, MO 64184 | SUN LIFE ASSURANCE COMPANY OF CANADA | $10K | — | $10K | 5.00% |
| ASSUREDPARTNERS3 Filed as: HDH GROUP, INC. | 210 6TH AVE, 30TH FLOOR, SUITE 3 PITTSBURGH, PA 15222 | AETNA LIFE INSURANCE CO. | $25K | — | $25K | 20.71% |
| ASSUREDPARTNERS3 Filed as: HDH GROUP, INC. | 210 6TH AVE, 30TH FLOOR, SUITE 3 PITTSBURGH, PA 15222 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 1.86% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL LIMITED | 55 E JACKSON BLVD, STE 14A CHICAGO, IL 60604 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $590 | $590 | 0.59% |
| ASSUREDPARTNERS3 Filed as: HDH GROUP, INC. | 210 6TH AVE, 30TH FLOOR, SUITE 3 PITTSBURGH, PA 15222 | EYEMED | $3K | — | $3K | 4.98% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL LIMITED | 210 6TH AVE, 30TH FLOOR, SUITE 3 PITTSBURGH, PA 15222 | EYEMED | $45 | — | $45 | 4.22% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL LIMITED | 210 6TH AVE, 30TH FLOOR, SUITE 3 PITTSBURGH, PA 15222 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $21 | $21 | — |
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 | 470 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 478 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 1,198 | $317K |
| Vision(2 contracts) | EYEMED | 1,078 | $60K |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 473 | $306K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 451 | $101K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 417 | $196K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $0 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,198 | — |
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."
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.