| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 | 2305 RIVER ROAD LOUISVILLE, KY 40206 | HUMANA HEALTH PLAN, INC. | $52K | $8K | $61K | 3.46% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCS., INC. | 3510 NORTH CAUSEWAY BOULEVARD SUITE 300 METAIRIE, LA 70002 | HUMANA HEALTH PLAN, INC. | $20K | $2K | $21K | 1.21% |
| ASSUREDPARTNERS3 | 2305 RIVER ROAD LOUISVILLE, KY 40206 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $27K | $3K | $30K | 15.47% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCS., INC. | 3510 NORTH CAUSEWAY BOULEVARD SUITE 300 METAIRIE, LA 70002 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $0 | $3K | 1.34% |
| ASSUREDPARTNERS3 | 2305 RIVER ROAD LOUISVILLE, LA 40206 | THE DENTAL CONCERN, INC. | $7K | $7K | $14K | 12.48% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCS., INC. | 3510 NORTH CAUSEWAY BOULEVARD SUITE 300 METAIRIE, LA 70002 | THE DENTAL CONCERN, INC. | $0 | $283 | $283 | 0.25% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCS., INC. | 5110 MARYLAND WAY, SUITE 250 BRENTWOOD, TN 37027 | THE DENTAL CONCERN, INC. | -$3 | $0 | -$3 | -0.00% |
| ASSUREDPARTNERS3 | 5909 EAST GALBRAITH ROAD SUITE 5000 CINCINNATI, OH 45236 | STANDARD INSURANCE COMPANY | $22K | $3K | $25K | 59.33% |
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 | 199 | 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) | 199 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA HEALTH PLAN, INC. | 178 | $1.8M |
| Dental | THE DENTAL CONCERN, INC. | 171 | $114K |
| Vision | THE DENTAL CONCERN, INC. | 171 | $114K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 199 | $193K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 199 | $193K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 199 | $193K |
| Prescription drug | HUMANA HEALTH PLAN, INC. | 178 | $1.8M |
| Other(3 contracts, 3 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 199 | $239K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 199 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.