| 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 | $7K | $24K | $30K | 3.00% |
| USI INSURANCE SERVICES LLC3 | 8540 COLONNADE CENTER DR STE 111 RALEIGH, NC 276153052 | UNITEDHEALTHCARE INSURANCE COMPANY | $2K | $5K | $8K | 0.76% |
| ROGERS BENEFIT GROUP INC3 | 7310 N 16TH ST STE 226 PHOENIX, AZ 850208212 | UNITEDHEALTHCARE INSURANCE COMPANY | $988 | — | $988 | 0.10% |
| FLORES AND ASSOCIATES | 2013 W. MOREHEAD ST SUITE B CHARLOTTE, NC 28208 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $730 | $730 | 0.07% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | PO BOX 2158 RIVERSIDE, CA 92516 | USABLE LIFE | $4K | $436 | $4K | 15.16% |
| MOSAIC GROUP SERVICES3 | PO BOX 2291 DURHAM, NC 27702 | USABLE LIFE | $2K | — | $2K | 6.98% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62689 VIRGINIA BEACH, VA 23466 | USABLE LIFE | $377 | — | $377 | 1.27% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | PO BOX 2158 RIVERSIDE, CA 92516 | USABLE LIFE | $2K | $219 | $2K | 15.20% |
| MOSAIC GROUP SERVICES3 | PO BOX 2291 DURHAM, NC 27702 | USABLE LIFE | $930 | — | $930 | 6.93% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62689 VIRGINIA BEACH, VA 23466 | USABLE LIFE | $173 | — | $173 | 1.29% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | PO BOX 2158 RIVERSIDE, CA 92516 | USABLE LIFE | $808 | $88 | $896 | 14.83% |
| MOSAIC GROUP SERVICES3 | PO BOX 2291 DURHAM, NC 27702 | USABLE LIFE | $422 | — | $422 | 6.98% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62689 VIRGINIA BEACH, VA 23466 | USABLE LIFE | $98 | — | $98 | 1.62% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | PO BOX 2158 RIVERSIDE, CA 92516 | USABLE LIFE | $731 | $73 | $804 | 14.82% |
| MOSAIC GROUP SERVICES3 | PO BOX 2291 DURHAM, NC 27702 | USABLE LIFE | $373 | — | $373 | 6.88% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62689 VIRGINIA BEACH, VA 23466 | USABLE LIFE | $69 | — | $69 | 1.27% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | PO BOX 2158 RIVERSIDE, CA 92516 | USABLE LIFE | $172 | $23 | $195 | 15.34% |
| MOSAIC GROUP SERVICES3 | PO BOX 2291 DURHAM, NC 27702 | USABLE LIFE | $88 | — | $88 | 6.92% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62689 VIRGINIA BEACH, VA 23466 | USABLE LIFE | $17 | — | $17 | 1.34% |
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 | $1.0M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 157 | $1.0M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 157 | $1.0M |
| Life insurance | USABLE LIFE | 119 | $5K |
| Long-term disability | USABLE LIFE | 129 | $30K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 157 | $1.0M |
| Other(4 contracts) | USABLE LIFE | 119 | $26K |
| 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."
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.