| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LLC RAL | 751 CORPORATE CTR DR STE 120 RALEIGH, NC 27607 | UNITEDHEALTHCARE INSURANCE COMPANY | $8K | $29K | $37K | 4.94% |
| FLORES AND ASSOCIATES | 2013 W. MOREHEAD ST SUITE B CHARLOTTE, NC 28208 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $707 | $707 | 0.09% |
| HUB INTERNATIONAL MIDWEST LIMITED | 55 E JACKSON BLVD FLOOR 14 CHICAGO, IL 60604 | USABLE LIFE | $4K | $789 | $5K | 17.75% |
| MOSAIC GROUP SERVICES | PO BOX 2291 DURHAM, NC 27702 | USABLE LIFE | $2K | — | $2K | 7.00% |
| HUB INTERNATIONAL MIDWEST LIMITED | 55 E JACKSON BLVD FLOOR 14 CHICAGO, IL 60604 | USABLE LIFE | $2K | $446 | $2K | 18.80% |
| MOSAIC GROUP SERVICES | PO BOX 2291 DURHAM, NC 27702 | USABLE LIFE | $823 | — | $823 | 7.00% |
| HUB INTERNATIONAL MIDWEST LIMITED | 55 E JACKSON BLVD FLOOR 14 CHICAGO, IL 60604 | USABLE LIFE | $973 | $173 | $1K | 17.66% |
| MOSAIC GROUP SERVICES | PO BOX 2291 DURHAM, NC 27702 | USABLE LIFE | $454 | — | $454 | 7.00% |
| HUB INTERNATIONAL MIDWEST LIMITED | 55 E JACKSON BLVD FLOOR 14 CHICAGO, IL 60604 | USABLE LIFE | $632 | $120 | $752 | 17.85% |
| MOSAIC GROUP SERVICES | PO BOX 2291 DURHAM, NC 27702 | USABLE LIFE | $295 | — | $295 | 7.00% |
| HUB INTERNATIONAL MIDWEST LIMITED | 55 E JACKSON BLVD FLOOR 14 CHICAGO, IL 60604 | USABLE LIFE | $168 | $46 | $214 | 19.12% |
| MOSAIC GROUP SERVICES | PO BOX 2291 DURHAM, NC 27702 | USABLE LIFE | $78 | — | $78 | 6.97% |
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 | 157 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 157 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 157 | $747K |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 157 | $747K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 157 | $747K |
| Life insurance | USABLE LIFE | 113 | $4K |
| Long-term disability | USABLE LIFE | 126 | $29K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 157 | $747K |
| Other(4 contracts) | USABLE LIFE | 113 | $24K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 157 | — |
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.
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.