| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INSURANCE SERVICE | 2000 S COLORADO BLVD SUITE 150 DENVER, CO 80222 | UNITED HEALTHCARE INSURANCE COMPANY | $41K | $564 | $41K | 2.94% |
| IMA, INC.3 Filed as: IMA INC | 1705 17TH ST SUITE 100 DENVER, CO 80202 | UNITED HEALTHCARE INSURANCE COMPANY | $29K | $453 | $30K | 2.13% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS SERVICES | 3390 UNIVERSITY SUITE 300 RIVERSIDE, CA 92501 | PRINCIPAL LIFE INSURANCE COMPANY | $24K | — | $24K | 4.80% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL LIMITED | 300 N LA SALLE DR FLOOR 17 CHICAGO, IL 60654 | PRINCIPAL LIFE INSURANCE COMPANY | — | $16K | $16K | 3.34% |
| IMA, INC.3 Filed as: IMA INC. | 6200 LBJ FREEWAY 200 DALLAS, TX 75240 | PRINCIPAL LIFE INSURANCE COMPANY | $3K | — | $3K | 0.61% |
| MICHAEL S WITHROW3 | 4801 GLENWOOD AVE SUITE 200 RALEIGH, NC 27612 | AFLAC | $129 | — | $129 | 3.63% |
| RICHARD R KIMBROUGH3 | 6380 N PARK MEADOW WAY APT 203 BOISE, ID 83713 | AFLAC | $67 | — | $67 | 1.88% |
| MKF & ASSOCIATES INC3 Filed as: MKF & ASSOCIATES INC. | 4222 MARDEN WAY VESTAVIA, AL 35242 | AFLAC | $9 | — | $9 | 0.25% |
| BERNARD FALCO3 Filed as: BERNARD JOSEPH FALCO | 657 SHADOWMOSS CIR LAKE MARY, FL 32746 | AFLAC | $7 | — | $7 | 0.20% |
| CRISTY M MCCULLOUGH3 | 6460 BORASCO DR APT 2901 MELBOURNE, FL 32940 | AFLAC | $4 | — | $4 | 0.11% |
| DAWN T SUCHECKI3 | 225 S WATER ST WILMINGTON, NC 28401 | AFLAC | $4 | — | $4 | 0.11% |
| DOUGLAS J SUCHECKI3 | 1224 PEACOCK AVE SUITE 205 COLOMBUS, GA 31906 | AFLAC | $3 | — | $3 | 0.08% |
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 | 103 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 108 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 224 | $1.4M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 253 | $492K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 253 | $492K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 253 | $492K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 253 | $492K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 253 | $492K |
| Other(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 253 | $496K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 253 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.