| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 300 CONCOURSE BLVD SUITE 300 RIDGELAND, MS 39157 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $53K | $0 | $53K | 10.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | P.O. BOX 6650 METAIRIE, LA 70009 | RELIANCE STANDARD | $28K | $694 | $28K | 10.25% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | P.O. BOX 6650 METAIRIE, LA 70009 | RELIANCE STANDARD | $18K | $291 | $18K | 15.25% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | P.O. BOX 6650 METAIRIE, LA 70009 | RELIANCE STANDARD | $4K | $114 | $5K | 10.25% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HERITAGE CORPORATE BENEFITS LLC BROKER | Insurance agents and brokers Service code 22 | 2487 CEDARCREST RD ACWORTH, GA 30101 | $173K |
| HUB INTERNATIONAL MIDWEST LIMITED EIN 35-0672425 BROKER | Insurance agents and brokers Service code 22 | — | $0 |
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 | 1,124 | 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) | 1,124 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 1,788 | $5.1M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,054 | $527K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,054 | $527K |
| Life insurance | RELIANCE STANDARD | 1,124 | $45K |
| Short-term disability | RELIANCE STANDARD | 1,124 | $278K |
| Long-term disability | RELIANCE STANDARD | 1,124 | $118K |
| Other | RELIANCE STANDARD | 1,124 | $45K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,788 | — |
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."
No prospect flags tripped on this filing.