| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MID SOUTH | 3011 ARMORY DR STE 250 NASHVILLE, TN 37204 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $337K | — | $337K | 8.27% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 55 E JACKSON BLVD 14TH FL STE 14A CHICAGO, IL 60604 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $40K | $40K | 0.98% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MID SOUTH | 3011 ARMORY DR STE 250 NASHVILLE, TN 37204 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $274K | — | $274K | 8.28% |
| HUB INTERNATIONAL MIDWEST LIMITED | 55 E JACKSON BLVD 14TH FL STE 14A CHICAGO, IL 60604 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $40K | $40K | 1.21% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MID SOUTH | 3011 ARMORY DR STE 250 NASHVILLE, TN 37204 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $480K | — | $480K | 17.73% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 55 E JACKSON BLVD 14TH FL STE 14A CHICAGO, IL 60604 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $40K | $40K | 1.48% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 444 W 47TH ST STE 900 DALLAS, TX 75217 | SUN LIFE ASSURANCE COMPANY OF CANADA | $102K | $30K | $132K | 5.92% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF WEST VIRGINIA | 340 MACCORKLE AVE SE CHARLESTON, WV 25314 | SUN LIFE ASSURANCE COMPANY OF CANADA | $102K | — | $102K | 4.58% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MID SOUTH | 3011 ARMORY DR STE 250 NASHVILLE, TN 37204 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $54K | — | $54K | 17.71% |
| HUB INTERNATIONAL MIDWEST LIMITED | 55 E JACKSON BLVD 14TH FL STE 14A CHICAGO, IL 60604 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $7K | $7K | 2.47% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HIGHMARK BLUE CROSS BLUE SHIELD WV EIN 55-0624615 | Direct payment from the plan; Claims processing Service code 12 | — | $3.5M |
| NAVITUS HEALTH SOLUTIONS EIN 04-3608530 | Claims processing; Direct payment from the plan Service code 12 | — | $658K |
| THE GUARDIAN LIFE INSURANCE COMPANY EIN 13-5123390 | Direct payment from the plan; Claims processing Service code 12 | — | $223K |
| NAVIA BENEFITS EIN 91-1467758 | Direct payment from the plan; Claims processing Service code 12 | — | $165K |
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 | 8,307 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 45 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1,715 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 10,067 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 7,208 | $3.3M |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 5,781 | $2.2M |
| Other(3 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 8,704 | $7.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 8,704 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.