| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FIDELITY HEALTH INSURANCE SERVICES3 | 245 SUMMER STREET BOSTON, MA 02210 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $38K | — | $38K | 1.00% |
| FIDELITY HEALTH INSURANCE SERVICES3 | 200 SEAPORT BLVD # V2B BOSTON, MA 022102031 | KAISER FOUNDATION HEALTH PLAN, INC. | $51K | — | $51K | 1.36% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB HEARTLAND LLC | 8044 MONTGOMERY RD STE 640 CINCINNATI, OH 452362950 | KAISER FOUNDATION HEALTH PLAN, INC. | $311 | — | $311 | 0.01% |
| FIDELITY HEALTH INSURANCE SERVICES3 | 200 SEAPORT BLVD # V2B BOSTON, MA 022102031 | KAISER FOUNDATION HEALTH PLAN, INC. | $39K | — | $39K | 1.54% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB HEARTLAND LLC | 8044 MONTGOMERY RD STE 640 CINCINNATI, OH 452362950 | KAISER FOUNDATION HEALTH PLAN, INC. | $234 | — | $234 | 0.01% |
| FIDELITY HEALTH INSURANCE SERVICES3 | 245 SUMMER STREET BOSTON, MA 02210 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $24K | — | $24K | 1.00% |
| FIDELITY HEALTH INSURANCE SERVICES3 | 245 SUMMER ST BOSTON, MA 02210 | KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | $37K | $623 | $37K | 1.68% |
| FIDELITY HEALTH INSURANCE SERVICES3 Filed as: FIDELITY HEALTH INS SVS, LLC | 245 SUMMER ST. V1B BOSTON, MA 02210 | PAN-AMERICAN LIFE INSURANCE COMPANY | $154K | — | $154K | 9.66% |
| FIDELITY HEALTH INSURANCE SERVICES3 | 200 SEAPORT BLVD # V2B BOSTON, MA 022102031 | KAISER FOUNDATION HEALTH PLAN, INC. | $16K | — | $16K | 1.39% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB HEARTLAND LLC | 8044 MONTGOMERY RD STE 640 CINCINNATI, OH 452362950 | KAISER FOUNDATION HEALTH PLAN, INC. | $581 | — | $581 | 0.05% |
| FIDELITY HEALTH INSURANCE SERVICES3 | 245 SUMMER ST BOSTON, MA 02210 | KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | $13K | $377 | $14K | 1.43% |
| FIDELITY HEALTH INSURANCE SERVICES3 Filed as: FIDELITY HEALTH INSURANCE SRVCS LLC | PO BOX 770001 CINCINNATI, OH 452770003 | HEALTH NEW ENGLAND, INC. | $24K | — | $24K | 3.55% |
| FIDELITY HEALTH INSURANCE SERVICES3 | 200 SEAPORT BLVD # V2B BOSTON, MA 022102031 | KAISER FOUNDATION HEALTH PLAN, INC. | $9K | — | $9K | 1.40% |
| FIDELITY HEALTH INSURANCE SERVICES3 | 245 SUMMER STREET BOSTON, MA 02210 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 1.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB HEARTLAND, LLC | 8044 MONTGOMERY RD SUITE 640 CINCINNATI, OH 45236 | EXCELLUS BLUE CROSS BLUE SHIELD | $8K | — | $8K | 2.31% |
| LIFETIME BENEFIT SOLUTIONS, INC.3 Filed as: LIFETIME BENEFIT SOLUTIONS, INC | 2457 STATE RT 7 SUITE 1, PO BOX 340 COBLESKILL, NY 12043 | EXCELLUS BLUE CROSS BLUE SHIELD | $6K | — | $6K | 1.53% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | DBA HORAN HEALTH 8044 MONTGOMERY ROAD, SUITE 640 CINCINNATI, OH 45236 | EXCELLUS BLUE CROSS BLUE SHIELD | $3K | — | $3K | 0.75% |
| FIDELITY HEALH INSURANCE3 | 88 BLACK FALCON, FIRST FLOOR EAST SIDE, SUITE 167 BOSTON, MA 02210 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 15.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 8044 MONTGOMERY RD 640 CINCINNATI, OH 45236 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $1 | $1 | 0.01% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB HEARTLAND, LLC | 8044 MONTGOMERY RD SUITE 640 CINCINNATI, OH 45236 | EXCELLUS BLUE CROSS BLUE SHIELD | $629 | — | $629 | 7.39% |
| LIFETIME BENEFIT SOLUTIONS, INC.3 Filed as: LIFETIME BENEFIT SOLUTIONS, INC | 2457 STATE RT 7 SUITE 1, PO BOX 340 COBLESKILL, NY 12043 | EXCELLUS BLUE CROSS BLUE SHIELD | $255 | — | $255 | 2.99% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | DBA HORAN HEALTH 8044 MONTGOMERY ROAD, SUITE 640 CINCINNATI, OH 45236 | EXCELLUS BLUE CROSS BLUE SHIELD | $136 | — | $136 | 1.60% |
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 | 50,777 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 119 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 50,896 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(11 contracts, 7 carriers) | KAISER FOUNDATION HEALTH PLAN, INC. | 344 | $13.2M |
| Dental(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES('CIGNA') | 7,304 | $2.0M |
| Vision | VISION SERVICE PLAN | 7,247 | $1.4M |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 48,161 | $3.8M |
| Short-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 5,803 | $2.4M |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 608 | $366K |
| Prescription drug(2 contracts, 2 carriers) | EXCELLUS BLUE CROSS BLUE SHIELD | 13 | $373K |
| Stop-loss / reinsurancereinsurance | PAN-AMERICAN LIFE INSURANCE COMPANY | 1,483 | $1.6M |
| Other(3 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES('CIGNA') | 7,304 | $3.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 48,161 | — |
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."
No prospect flags tripped on this filing.