| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST | 1560 ORANGE AVENUE SUITE 750 WINTER PARK, FL 327895552 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $30K | $30K | 4.94% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | PO BOX 2158 RIVERSIDE, CA 92516 | PRINCIPAL LIFE INSURANCE COMPANY | $11K | -$81 | $11K | 8.92% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL LIMITED | 300 N LA SALLE DR FL 17 CHICAGO, IL 605543406 | PRINCIPAL LIFE INSURANCE COMPANY | — | $2K | $2K | 1.34% |
| TRIONFO5 Filed as: TRIONFO SOLUTIONS, LLC | 333 W PIERCE RD STE 190 ITASCA, IL 601433316 | METROPOLITAN LIFE INSURANCE COMPANY | — | $3K | $3K | 3.00% |
| JAMES MOORADIAN3 | 277 DARTMOUTH ST FL 4 BOSTON, MA 021162805 | METROPOLITAN LIFE INSURANCE COMPANY | $27 | — | $27 | 0.03% |
| BRYAN LAMBERT3 | 783 WEBSTER ST NEEDHAM, MA 024923141 | METROPOLITAN LIFE INSURANCE COMPANY | $11 | — | $11 | 0.01% |
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 | 234 | 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) | 234 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 94 | $602K |
| Dental(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 303 | $222K |
| Vision(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 303 | $222K |
| Life insurance(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 303 | $222K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 210 | $125K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 303 | $98K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 303 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.