| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS SVCES INC | 111 SOUTH TEJON STREET SUITE 113 COLORADO SPRINGS, CO 80903 | METROPOLITAN LIFE INSURANCE COMPANY | $79K | $80 | $79K | 6.35% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS SVCES INC | PO BOX 2158 RIVERSIDE, CA 92516 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $22K | $22K | 1.77% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCES., INC. | 1125 17TH STREET SUITE 900 DENVER, CO 80202 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $19K | $0 | $19K | 9.18% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCES., INC. | 1125 17TH STREET, SUITE 900 DENVER, CO 80202 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $12K | $0 | $12K | 5.82% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCES., INC. | 55 EAST JACKSON SUITE 600 CHICAGO, IL 60604 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $4K | $4K | 1.71% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCES., INC. | 55 EAST JACKSON, SUITE 600 CHICAGO, IL 60604 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $2K | $2K | 1.08% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCES., INC. | 1125 17TH STREET, SUITE 900 DENVER, CO 80202 | RELIASTAR LIFE INSURANCE COMPANY | $16K | $0 | $16K | 11.25% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS SVCES INC | PO BOX 844663 DALLAS, TX 75284 | VISION SERVICE PLAN | $3K | $0 | $3K | 2.30% |
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 | 2,235 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 11 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,246 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 4,105 | $1.2M |
| Vision | VISION SERVICE PLAN | 1,368 | $125K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 4,105 | $1.2M |
| Short-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 474 | $209K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 474 | $209K |
| Other(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 4,105 | $1.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,105 | — |
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.