| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 | 2487 CEDARCREST ROAD SUITE 122 ACWORTH, GA 30101 | TRANSAMERICA LIFE INSURANCE COMPANY | $8K | — | $8K | 12.16% |
| AMY L. KRAUS3 | 298 LEGEND CREEK TERRACE DOUGLASVILLE, GA 30134 | TRANSAMERICA LIFE INSURANCE COMPANY | $1K | — | $1K | 1.91% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | PO BOX 6650 METAIRIE, LA 700096650 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | — | $5K | 8.33% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | PO BOX 6650 METAIRIE, LA 70009 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | — | $4K | 12.87% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC | 1825 BARRETT LAKES BLVD SUITE 320 KENNESAW, GA 30144 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $598 | — | $598 | 2.13% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | PO BOX 6650 METAIRIE, LA 70009 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 12.77% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INSURANCE SERVICES, INC | 1825 BARRETT LAKES BLVD SUITE 320 KENNESAW, GA 30144 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $219 | — | $219 | 2.23% |
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 | 160 | 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) | 160 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | RELIANCE STANDARD LIFE INSURANCE COMPANY | 195 | $58K |
| Vision | RELIANCE STANDARD LIFE INSURANCE COMPANY | 195 | $58K |
| Life insurance(2 contracts, 2 carriers) | TRANSAMERICA LIFE INSURANCE COMPANY | 161 | $92K |
| Short-term disability | TRANSAMERICA LIFE INSURANCE COMPANY | 68 | $64K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 39 | $10K |
| Other(2 contracts, 2 carriers) | TRANSAMERICA LIFE INSURANCE COMPANY | 161 | $92K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 195 | — |
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."
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.