| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 | LERONE SIDBERRY PO BOX 392 TRAVERSE CITY, MI 49685 | DELTA DENTAL OF KENTUCKY | $50K | $0 | $50K | 6.28% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | AERON LUCAS PO BOX 392 TRAVERSE CITY, MI 49685 | DELTA DENTAL OF KENTUCKY | $49K | $0 | $49K | 6.22% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | EMPLOYEE BENEFITS DEPARTMENT 55 E JACKSON BLVD # 14A CHICAGO, IL 60604 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $29K | $7K | $37K | 7.54% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 5110 MARYLAND WAY STE 250 BRENTWOOD, TN 37027 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $19K | $7K | $26K | 5.39% |
| THE CASON GROUP INC3 Filed as: THE CASON GROUP LLC | PO BOX 11229 COLUMBIA, SC 29206 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $24K | $24K | 5.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 5110 MARYLAND WAY STE 250 BRENTWOOD, TN 37027 | UNUM INSURANCE COMPANY | $13K | $4K | $17K | 6.67% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | EMPLOYEE BENEFITS DEPARTMENT 55 E JACKSON BLVD #14A CHICAGO, IL 60604 | UNUM INSURANCE COMPANY | $13K | $3K | $16K | 6.24% |
| THE CASON GROUP INC3 Filed as: THE CASON GROUP LLC | PO BOX 11229 COLUMBIA, SC 29206 | UNUM INSURANCE COMPANY | $0 | $13K | $13K | 5.04% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 3011 ARMORY DR STE 250 NASHVILLE, TN 372043747 | UNITEDHEALTHCARE INSURANCE COMPANY | $10K | $0 | $10K | 9.99% |
| THE CASON GROUP INC3 | 1612 MARION ST COLUMBIA, SC 29201 | UNUM INSURANCE COMPANY | $10K | $696 | $11K | 13.45% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 5110 MARYLAND WAY STE 250 BRENTWOOD, TN 37027 | UNUM INSURANCE COMPANY | $6K | $736 | $7K | 8.49% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | EMPLOYEE BENEFITS DEPARTMENT 55 E JACKSON BLVD #14A CHICAGO, IL 60604 | UNUM INSURANCE COMPANY | $4K | $485 | $4K | 5.63% |
| THE CASON GROUP INC3 | 1612 MARION ST COLUMBIA, SC 29201 | UNUM INSURANCE COMPANY | $6K | $467 | $7K | 13.45% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 5110 MARYLAND WAY STE 250 BRENTWOOD, TN 37027 | UNUM INSURANCE COMPANY | $4K | $447 | $4K | 7.92% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | EMPLOYEE BENEFITS DEPARTMENT 55 E JACKSON BLVD # 14A CHICAGO, IL 60604 | UNUM INSURANCE COMPANY | $3K | $346 | $3K | 6.16% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 150 N RIVERSIDE PLAZA 17TH F 55 E JACKSON BLVD CHICAGO, IL 60606 | UNUM INSURANCE COMPANY | $0 | $1 | $1 | 0.00% |
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 | 1,410 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 10 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,420 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF KENTUCKY | 2,219 | $790K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 1,795 | $101K |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,428 | $743K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,428 | $485K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,428 | $485K |
| Other(4 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,428 | $872K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,219 | — |
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.