| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 | STE 101 333 N GREENE ST GREENSBORO, NC 27401 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $59K | $7K | $65K | 11.12% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | STE 101 333 N GREENE ST GREENSBORO, NC 27401 | STARMOUNT LIFE INSURANCE COMPANY | $33K | $4K | $36K | 12.03% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | STE 101 333 N GREENE ST GREENSBORO, NC 27401 | UNUM LIFE INSURANCE COMPANY | $27K | $3K | $30K | 11.69% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 3510 N CAUSEWAY BLVD STE 200 METAIRIE, LA 70002 | MADISON NATIONAL LIFE INSURANCE COMPANY | $38K | — | $38K | 15.00% |
| MID-ATLANTIC REGION3 Filed as: MID-ATLANTIC REGION INC | 252 HARRY LANE BLVD STE 100 KNOXVILLE, TN 37923 | MADISON NATIONAL LIFE INSURANCE COMPANY | — | $3K | $3K | 1.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 3510 N CAUSEWAY BLVD STE 200 METAIRIE, LA 70002 | KANSAS CITY LIFE INSURANCE COMPANY | $12K | — | $12K | 14.23% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | STE 101 333 N GREENE ST GREENSBORO, NC 27401 | STARMOUNT LIFE INSURANCE COMPANY | $9K | $805 | $10K | 13.09% |
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 | 914 | 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) | 914 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | STARMOUNT LIFE INSURANCE COMPANY | 728 | $300K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 530 | $74K |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 914 | $848K |
| Short-term disability(2 contracts, 2 carriers) | MADISON NATIONAL LIFE INSURANCE COMPANY | 655 | $339K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 914 | $588K |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 914 | $848K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 914 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.