| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 | 3510 N CAUSEWAY BLVD STE 300 METAIRIE, LA 70002 | USABLE LIFE | $9K | — | $9K | 10.24% |
| MOSAIC GROUP SERVICES3 Filed as: MOSAIC GROUP | PO BOX 2291 DURHAM, NC 27702 | USABLE LIFE | $7K | — | $7K | 7.51% |
| JONES INSURANCE AGENCY INC3 | 820 BENSON RD GARNER, NC 27529 | USABLE LIFE | $1K | — | $1K | 1.63% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 4401 LEEDS AVE STE 280 CHARLESTON, SC 29405 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | — | $3K | 4.28% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 16253 COLLECTION CENTER DR. 40 W MADISON 4TH FL BOA LOCK BOX CHICAGO, IL 60693 | METROPOLITAN LIFE INSURANCE COMPANY | — | $655 | $655 | 1.12% |
| JONES INSURANCE AGENCY INC3 | 820 BENSON RD GARNER, NC 27529 | METROPOLITAN LIFE INSURANCE COMPANY | $127 | — | $127 | 0.22% |
| JONES INSURANCE AGENCY INC3 | 820 BENSON RD GARNER, NC 27529 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $991 | — | $991 | 10.00% |
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 | 158 | 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) | 158 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | TELADOC | 83 | $9K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 164 | $59K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 105 | $10K |
| Life insurance | USABLE LIFE | 158 | $87K |
| Short-term disability | USABLE LIFE | 158 | $87K |
| Long-term disability | USABLE LIFE | 158 | $87K |
| Other | USABLE LIFE | 158 | $87K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 164 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.