| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 | 5110 MARYLAND WAY STE 250 BRENTWOOD, TN 370277508 | BLUE CROSS AND BLUE SHIELD OF FLORIDA | $41K | — | $41K | 5.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: FOX EVERETT-DIV OF HUB INTL | 300 CONCOURSE BLVD, STE 300 RIDGELAND, MS 39157 | HCC/TOKIO MARINE INC | $44K | — | $44K | 10.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | PO BOX 6650 METAIRIE, LA 700096650 | METROPOLITAN LIFE INSURANCE COMPANY | $20K | $66 | $20K | 9.90% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 16253 COLLECTION CENTER DR 40 W MADISON 4TH FL BANK OF AMERICA CHICAGO, IL 606930162 | METROPOLITAN LIFE INSURANCE COMPANY | — | $3K | $3K | 1.72% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 2487 CEDARCREST RD, STE 122 ACWORTH, GA 30101 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $17K | $6K | $23K | 20.41% |
| WEB BENEFITS DESIGN CORPORATION5 | 4725 W. SAND LAKE RD, STE 300 ORLANDO, FL 32819 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $11K | $11K | 10.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 2487 CEDARCREST ROAD, STE 122 ACWORTH, GA 30101 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $11K | $4K | $15K | 20.35% |
| WEB BENEFITS DESIGN CORPORATION5 | 4725 W. SAND LAKE RD, STE 300 ORLANDO, FL 32819 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $8K | $8K | 10.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 2487 CEDARCREST RD, STE 122 ACWORTH, GA 30101 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $11K | $4K | $15K | 20.40% |
| WEB BENEFITS DESIGN CORPORATION5 | 4725 W. SAND LAKE RD, STE 300 ORLANDO, FL 32819 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $7K | $7K | 10.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 2487 CEDARCREST RD, STE 122 ACWORTH, GA 30101 | BRELLA SERVICES, INC - ANSEL | $5K | — | $5K | 20.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 2487 CEDARCREST RD, STE 122 ACWORTH, GA 30101 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $1K | $5K | 20.40% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 2487 CEDARCREST RD, STE 122 ACWORTH, GA 30101 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $1K | $4K | 20.55% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 2487 CEDARCREST RD, STE 122 ACWORTH, GA 30101 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $899 | $3K | 20.39% |
| WEB BENEFITS DESIGN CORPORATION5 | 4725 W. SAND LAKE RD, STE 300 ORLANDO, FL 32819 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 10.00% |
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 | 255 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 255 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BRELLA SERVICES, INC - ANSEL | 47 | $27K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 476 | $203K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 476 | $203K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 457 | $17K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF FLORIDA | 73 | $814K |
| Stop-loss / reinsurancereinsurance | HCC/TOKIO MARINE INC | 184 | $444K |
| Other(7 contracts, 2 carriers) | BLUE CROSS AND BLUE SHIELD OF FLORIDA | 457 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 476 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.