| 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 | $57K | $9K | $66K | 10.70% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 3510 N CAUSEWAY BLVD STE 200 METAIRIE, LA 70002 | MADISON NATIONAL LIFE INSURANCE COMPANY | $47K | — | $47K | 15.00% |
| NORTH AMERICAN BENEFITS COMPANY5 | 20 VALLEY STREAM PARKWAY SUITE 310 MALVERN, PA 19355 | MADISON NATIONAL LIFE INSURANCE COMPANY | — | $16K | $16K | 5.00% |
| 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 | STE 101 333 N GREENE ST GREENSBORO, NC 27401 | UNUM LIFE INSURANCE COMPANY | $24K | $4K | $27K | 11.06% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | STE 101 333 N GREENE ST GREENSBORO, NC 27401 | STARMOUNT LIFE INSURANCE COMPANY | $24K | $4K | $28K | 11.66% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 333 N GREENE ST STE 101 GREENSBORO, NC 27401 | UNUM INSURANCE COMPANY | $77K | $5K | $81K | 65.61% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | STE 101 333 N GREENE ST GREENSBORO, NC 27401 | STARMOUNT LIFE INSURANCE COMPANY | $8K | $1K | $9K | 13.29% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 333 N GREENE ST STE 101 GREENSBORO, NC 27401 | UNUM INSURANCE COMPANY | $35K | $3K | $38K | 59.00% |
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 | 817 | 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) | 817 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | STARMOUNT LIFE INSURANCE COMPANY | 619 | $242K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 500 | $66K |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 817 | $867K |
| Short-term disability | MADISON NATIONAL LIFE INSURANCE COMPANY | 486 | $314K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 817 | $620K |
| Other(4 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 817 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 817 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.