| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL SERVICES INC | PO BOX 2158 RIVERSIDE, CA 92516 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $54K | $54K | 3.90% |
| MCGRIFF INSURANCE SERVICES INC3 | 5925 CARNEGIE BLVD STE 400 CHARLOTTE, NC 28209 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $16K | $16K | 1.12% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INSURANCE SERVICE | 3390 UNIVERSITY AVE #300 RIVERSIDE, CA 92501 | SUN LIFE ASSURANCE COMPANY OF CANADA | $7K | — | $7K | 6.75% |
| MCGRIFF INSURANCE SERVICES INC3 | 414 GALLIMORE DAIRY RD EB COMMISSION GREENSBORO, NC 27409 | SUN LIFE ASSURANCE COMPANY OF CANADA | $4K | — | $4K | 4.02% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INSURANCE SERVICE | PO BOX 2158 RIVERSIDE, CA 92516 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | $2K | $9K | 8.81% |
| MCGRIFF INSURANCE SERVICES INC3 | 414 GAILLIMORE DAIRY RD SUITE F GREENSBORO, NC 27409 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $34 | $3K | 2.87% |
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 | 160 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 160 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 160 | $1.4M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 432 | $99K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 432 | $99K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 113 | $99K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 113 | $99K |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 113 | $99K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 432 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.