| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 44 2ND STREET SAN FRANCISCO, CA 94105 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $27K | — | $27K | 8.73% |
| AXION RMS LTD3 Filed as: AXION RMS | 2443 WARRENVILLE RD. SUITE 610 LISLE, IL 60532 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $13K | — | $13K | 4.16% |
| HUB INTERNATIONAL MIDWEST LIMITED Filed as: HUB INTERNATIONAL INS | 580 CALIFORNIA ST STE 1300 SAN FRANCISCO, CA 94104 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | — | $2K | 2.63% |
| AXION RMS LTD3 Filed as: AXION RMS | 2443 WARRENVILLE RD. SUITE 610 LISLE, IL 60532 | PRINCIPAL LIFE INSURANCE COMPANY | $280 | — | $280 | 0.47% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INC. | 580 CALIFORNIA ST STE 1300 SAN FRANCISCO, CA 94104 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 5.72% |
| AXION RMS LTD3 Filed as: AXION RMS | 2443 WARRENVILLE RD. SUITE 610 LISLE, IL 60532 | STANDARD INSURANCE COMPANY | $480 | — | $480 | 1.59% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS | 580 CALIFORNIA ST. STE 1300 SAN FRANCISCO, CA 94104 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 5.82% |
| AXION RMS LTD3 Filed as: AXION RMS | 2443 WARRENVILLE RD. SUITE 610 LISLE, IL 60532 | STANDARD INSURANCE COMPANY | $476 | — | $476 | 1.65% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INC. | 580 CALIFORNIA STR. STE 1300 SAN FRANCISCO, CA 94104 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 9.48% |
| AXION RMS LTD3 Filed as: AXION RMS | 2443 WARRENVILLE RD. SUITE 610 LISLE, IL 60532 | STANDARD INSURANCE COMPANY | $840 | — | $840 | 4.90% |
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 | 178 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 178 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 136 | $314K |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 122 | $59K |
| Life insurance | STANDARD INSURANCE COMPANY | 178 | $30K |
| Short-term disability | STANDARD INSURANCE COMPANY | 177 | $29K |
| Long-term disability | STANDARD INSURANCE COMPANY | 71 | $17K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 178 | — |
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.