| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | PO BOX 939 BURLINGTON, NC 27216 | AMERICAN UNITED LIFE INSURANCE COMPANY | $28K | — | $28K | 18.77% |
| PLAN BENEFIT SERVICES INC3 Filed as: PLAN BENEFIT SERVICES, INC. | PO BOX 2307 COLUMBIA, SC 29202 | AMERICAN UNITED LIFE INSURANCE COMPANY | $5K | — | $5K | 3.12% |
| IRA K. LASH3 | PO BOX 30595 CHARLESTON, SC 29417 | AMERICAN UNITED LIFE INSURANCE COMPANY | $5K | — | $5K | 3.12% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | PO BOX 939 BURLINGTON, NC 27216 | DELTA DENTAL OF MISSOURI | $4K | — | $4K | 4.66% |
| IRA K. LASH3 Filed as: IRA K LASH | PO BOX 30595 CHARLESTON, SC 29417 | DELTA DENTAL OF MISSOURI | $2K | — | $2K | 1.76% |
| MJ INSURANCE3 Filed as: VARIOUS AGENTS - SEE ATTACHMENT | PO BOX 1365 COLUMBIA, SC 292021365 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $180 | $3K | 19.72% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | PO BOX 939 BURLINGTON, NC 27216 | PHYSICIANS EYECARE PLAN | $1K | — | $1K | 7.58% |
| PLAN BENEFIT SERVICES INC3 Filed as: PLAN BENEFIT SERVICES, INC. | PO BOX 2307 COLUMBIA, SC 29202 | PHYSICIANS EYECARE PLAN | $312 | — | $312 | 1.81% |
| IRA K. LASH3 | PO BOX 30595 CHARLESTON, SC 29417 | PHYSICIANS EYECARE PLAN | $312 | — | $312 | 1.81% |
| MJ INSURANCE3 Filed as: VARIOUS AGENTS - SEE ATTACHMENT | PO BOX 1635 COLUMBIA, SC 292021365 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $213 | $2K | 24.62% |
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 | 189 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 190 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF MISSOURI | 258 | $91K |
| Vision | PHYSICIANS EYECARE PLAN | 185 | $17K |
| Life insurance | AMERICAN UNITED LIFE INSURANCE COMPANY | 96 | $149K |
| Short-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 96 | $149K |
| Long-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 96 | $149K |
| Other(3 contracts, 2 carriers) | AMERICAN UNITED LIFE INSURANCE COMPANY | 96 | $175K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 258 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.