| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 | 333 N GREENE ST STE 101 GREENSBORO, NC 27401 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $33K | — | $33K | 9.02% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 628 GREEN VALLEY ROAD SUITE 300 GREENSBORO, NC 27408 | PRINCIPAL LIFE INSURANCE COMPANY | $23K | — | $23K | 17.99% |
| MOSAIC GROUP SERVICES3 Filed as: MOSAIC GROUP SERVICES, LLC | PO BOX 2291 DURHAM, NC 27702 | PRINCIPAL LIFE INSURANCE COMPANY | $8K | $2K | $10K | 7.48% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL LIMITED | 150 N RIVERSIDE PLZ STE 1700 CHICAGO, IL 60606 | PRINCIPAL LIFE INSURANCE COMPANY | — | $6K | $6K | 5.08% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL CAROLINA | 1001 MOREHEAD SQUARE DR SUITE 400 CHARLOTTE, NC 28278 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $9K | $2K | $11K | 27.16% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 1001 MOREHEAD SQUARE DR SUITE 400 CHARLOTTE, NC 28203 | EYEMED VISION CARE OBO THE FIDELITY SECURITY LIFE INSURANCE COMPANY | $606 | — | $606 | 3.37% |
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 | 239 | 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) | 240 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 229 | $369K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 229 | $369K |
| Vision | EYEMED VISION CARE OBO THE FIDELITY SECURITY LIFE INSURANCE COMPANY | 510 | $18K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 360 | $128K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 360 | $128K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 360 | $128K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 229 | $369K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 81 | $41K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 510 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.