| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 | 333 N. GREEN ST. STE 101 GREENSBORO, NC 27401 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $30K | $12K | $42K | 19.49% |
| FLORES AND ASSOCIATES5 | 1218 S. CHURCH STREET CHARLOTTE, NC 28203 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $743 | $743 | 0.34% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 333 N. GREEN ST GREENSBORO, NC 27401 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | $712 | $6K | 11.41% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 333 N. GREEN ST STE 400 GREENSBORO, NC 27401 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $732 | $4K | 17.93% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 333 N. GREEN ST GREENSBORO, NC 27401 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $434 | $3K | 17.95% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL-GREENSBORO | 333 N. GREENE ST GREENSBORO, NC 274012265 | UNITEDHEALTHCARE INSURANCE COMPANY | $659 | — | $659 | 10.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | PO BOX 939 BURLINGTON, NC 272160939 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $892 | $192 | $1K | 18.24% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 333 N. GREEN ST. STE 101 GREENSBORO, NC 27401 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $783 | $152 | $935 | 17.90% |
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 | 117 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 117 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 94 | $223K |
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 81 | $50K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 45 | $15K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 11 | $6K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 117 | $25K |
| Other | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 109 | $5K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 117 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.