| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED Filed as: HUB INTERNATIONAL MIDWEST LIMI | STE 101 333 N GREENE ST GREENSBORO, NC 27401 | UNUM LIFE INSURANCE COMPANY OF AMERICAN | $48K | $10K | $58K | 11.99% |
| BANYAN CONSULTING GROUP INC | STE 101 333 N GREENE STREET GREENSBORO, NC 27401 | KANSAS CITY LIFE INSURANCE COMPANY | $81K | — | $81K | 21.61% |
| HUB INTERNATIONAL MIDWEST LIMITED Filed as: HUB INTERNATIONAL MIDWEST LIMI | STE 101 333 N GREENE ST GREENSBORO, NC 27401 | STARMOUNT LIFE INSURANCE COMPANY | $35K | $7K | $42K | 12.00% |
| HUB INTERNATIONAL MIDWEST LIMITED Filed as: HUB INTERNATIONAL MIDWEST LIMI | STE 101 333 N GREENE ST GREENSBORO, NC 27401 | UNUM LIFE INSURANCE COMPANY | $26K | $5K | $31K | 11.83% |
| HUB INTERNATIONAL MIDWEST LIMITED Filed as: HUB INTERNATIONAL MIDWEST LTD | BANYON CONSULTING GROUP INC GREENSBORO, NC 27401 | SYMETRA LIFE INSURANCE COMPANY | $12K | — | $12K | 6.50% |
| HUB INTERNATIONAL MIDWEST LIMITED | STE 101 333 N GREENE ST GREENSBORO, NC 27401 | STARMOUNT LIFE INSURANCE COMPANY | $6K | $947 | $7K | 14.00% |
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 | 885 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 885 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | STARMOUNT LIFE INSURANCE COMPANY | 897 | $346K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 537 | $47K |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICAN | 1,039 | $746K |
| Short-term disability | KANSAS CITY LIFE INSURANCE COMPANY | 725 | $376K |
| Long-term disability | KANSAS CITY LIFE INSURANCE COMPANY | 725 | $376K |
| Stop-loss / reinsurancereinsurance | SYMETRA LIFE INSURANCE COMPANY | 893 | $177K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,039 | — |
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.
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.