| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 | 2120 PEWAUKEE RD STE 202 WAUKESHA, WI 531882491 | UNITEDHEALTHCARE INSURANCE COMPANY | $8K | $88K | $97K | 5.49% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 3635 RIVERSIDE PLAZA DRIVE RIVERSIDE, CA 92506 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $5K | $5K | 0.28% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 1411 OPUS PL STE 450 DOWNERS GROVE, IL 605151423 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $2K | $2K | 0.13% |
| USI INSURANCE SERVICES LLC3 | 2502 N. ROCKY POINT DR. STE 400 TAMPA, FL 336071443 | UNITEDHEALTHCARE INSURANCE COMPANY | $54 | -$205 | -$151 | -0.01% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | PO BOX 1027 CLEARWATER, FL 33757 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $13K | $7K | $19K | 18.45% |
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 | 210 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 6 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 218 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 299 | $1.8M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 299 | $1.8M |
| Vision | UNITED OF OMAHA LIFE INSURANCE COMPANY | 216 | $105K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 216 | $105K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 216 | $105K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 216 | $105K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 216 | $105K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 299 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.