| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | P.O. BOX 6650 METAIRIE, LA 70009 | CIGNA HEALTH & LIFE INSURANCE COMPANY AND AFFILIATES | $155K | — | $155K | 5.87% |
| HERITAGE CORPORATE BENEFITS3 | 2487 CEDARCREST ROAD, STE 122 ACWORTH, GA 30101 | CIGNA HEALTH & LIFE INSURANCE COMPANY AND AFFILIATES | $11K | $5K | $16K | 0.62% |
| HERITAGE CORPORATE BENEFITS3 | 2487 CEDARCREST ROAD, STE 122 ACWORTH, GA 301012729 | METROPOLITAN LIFE INSURANCE COMPANY | $38K | — | $38K | 19.83% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | P.O. BOX 6650 METAIRIE, LA 70009 | METROPOLITAN LIFE INSURANCE COMPANY | $11K | — | $11K | 5.83% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 16253 COLLECTION CENTER DRIVE 40 W MADISON 4TH FL BOA LOCKBOX CHICAGO, IL 60693 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $2K | $2K | 1.09% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 2487 CEDARCREST ROAD, STE 122 ACWORTH, GA 301012729 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $14K | $6K | $21K | 21.85% |
| WEB BENEFITS DESIGN CORPORATION5 Filed as: WEB BENEFITS DESIGN CORP | P.O. BOX 1568 WINDERMERE, FL 34786 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $9K | $9K | 10.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 2487 CEDARCREST ROAD, STE 122 ACWORTH, GA 301012729 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $9K | $4K | $13K | 21.98% |
| WEB BENEFITS DESIGN CORPORATION5 Filed as: WEB BENEFITS DESIGN CORP | P.O. BOX 1568 WINDERMERE, FL 34786 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $6K | $6K | 10.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 2487 CEDARCREST ROAD, STE 122 ACWORTH, GA 301012729 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $8K | $4K | $12K | 22.04% |
| WEB BENEFITS DESIGN CORPORATION5 Filed as: WEB BENEFITS DESIGN CORP | P.O. BOX 1568 WINDERMERE, FL 34786 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $6K | $6K | 10.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 2487 CEDARCREST ROAD, STE 122 ACWORTH, GA 301012729 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $2K | $5K | 22.38% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 2487 CEDARCREST ROAD, STE 122 ACWORTH, GA 301012729 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $1K | $4K | 21.90% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 2487 CEDARCREST ROAD, STE 122 ACWORTH, GA 301012729 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $993 | $3K | 22.02% |
| WEB BENEFITS DESIGN CORPORATION5 Filed as: WEB BENEFITS DESIGN CORP | P.O. BOX 1568 WINDERMERE, FL 34786 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $1K | $1K | 10.00% |
| HUB INTERNATIONAL MIDWEST LIMITED4 Filed as: HUB INTL MIDWEST LTD DBA HUB INTL | GULF SOUTH 2487 CEDARCREST RD SUITE 122 ACWORTH, GA 30101 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $2K | — | $2K | 18.28% |
| J KEEBS & ASSOCIATES4 | 1950 BUFORD DAM ROAD, APT 406 CUMMING, GA 30041 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $700 | — | $700 | 5.16% |
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 | 274 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 275 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH & LIFE INSURANCE COMPANY AND AFFILIATES | 454 | $2.6M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 460 | $194K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 460 | $194K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 400 | $70K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 152 | $94K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 94 | $60K |
| Prescription drug | CIGNA HEALTH & LIFE INSURANCE COMPANY AND AFFILIATES | 454 | $2.6M |
| Other(5 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 400 | $123K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 460 | — |
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.