| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 | 333 N GREENE STREET SUITE 101 GREENSBORO, NC 27401 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $63K | $11K | $74K | 12.77% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 3510 N CAUSEWAY BLVD STE 200 METAIRIE, LA 70002 | MADISON NATIONAL LIFE INSURANCE COMPANY | $43K | — | $43K | 15.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 333 N GREENE STREET SUITE 101 GREENSBORO, NC 27401 | STARMOUNT LIFE INSURANCE COMPANY | $25K | $4K | $30K | 10.84% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 333 N GREENE STREET SUITE 101 GREENSBORO, NC 27401 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $24K | $4K | $28K | 11.37% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 333 N GREENE ST STE 101 GREENSBORO, NC 27401 | UNUM INSURANCE COMPANY | $48K | $4K | $52K | 31.40% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 333 N GREENE ST STE 101 GREENSBORO, NC 27401 | UNUM INSURANCE COMPANY | $26K | $2K | $29K | 29.71% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 333 N GREENE STREET SUITE 101 GREENSBORO, NC 27401 | STARMOUNT LIFE INSURANCE COMPANY | $7K | $1K | $8K | 13.95% |
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 | 771 | 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) | 771 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | STARMOUNT LIFE INSURANCE COMPANY | 657 | $273K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 521 | $59K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 771 | $827K |
| Short-term disability | MADISON NATIONAL LIFE INSURANCE COMPANY | 483 | $287K |
| Long-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 771 | $866K |
| Other(4 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 771 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 771 | — |
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.