| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST, LTD | 3390 UNIVERSITY AVE, STE 300 RIVERSIDE, CA 92501 | CIGNA HEALTH & LIFE INSURANCE COMPANY AND AFFILIATES | $155K | — | $155K | 5.44% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | P.O. BOX 6650 METAIRIE, LA 70009 | METROPOLITAN LIFE INSURANCE COMPANY | $19K | $55 | $19K | 9.92% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 16253 COLLECTION CENTER DRIVE CHICAGO, IL 60693 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $3K | $3K | 1.44% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 2487 CEDARCREST ROAD, STE 122 ACWORTH, GA 30101 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $14K | $6K | $20K | 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 | $9K | $9K | 10.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 2487 CEDARCREST ROAD, STE 122 ACWORTH, GA 30101 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $9K | $4K | $13K | 22.15% |
| 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 30101 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $9K | $4K | $12K | 21.89% |
| 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 30101 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $2K | $5K | 21.82% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 2487 CEDARCREST ROAD, STE 122 ACWORTH, GA 30101 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $1K | $4K | 22.23% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 2487 CEDARCREST ROAD, STE 122 ACWORTH, GA 30101 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $983 | $3K | 21.86% |
| 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 | 2487 CEDARCREST RD, STE 122 ACWORTH, GA 30101 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $1K | — | $1K | 8.10% |
| J KEEBS & ASSOCIATES4 | 1810 BLOSSOM CREEK LN CUMMING, GA 30040 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $478 | — | $478 | 3.56% |
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 | 268 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 270 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH & LIFE INSURANCE COMPANY AND AFFILIATES | 428 | $2.9M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 474 | $193K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 474 | $193K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 405 | $14K |
| Prescription drug | CIGNA HEALTH & LIFE INSURANCE COMPANY AND AFFILIATES | 428 | $2.9M |
| Other(7 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 405 | $273K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 474 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.