| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNTIONAL MIDWEST LTD | 1661 INTERNATIONAL DRIVE STE 300 MEMPHIS, TN 38120 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $61K | $0 | $61K | 13.71% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 1661 INTERNATIONAL DR STE 300 MEMPHIS, TN 38120 | STARMOUNT LIFE INSURANCE COMPANY | $8K | $3K | $12K | 14.10% |
| THE CASON GROUP INC3 Filed as: THE CASON GROUP LLC | PO BOX 11229 COLUMBIA, SC 29206 | STARMOUNT LIFE INSURANCE COMPANY | $0 | $4K | $4K | 4.75% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 1661 INTERNATIONAL DR STE 300 MEMPHIS, TN 38120 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $3K | $8K | 13.81% |
| THE CASON GROUP INC3 Filed as: THE CASON GROUP LLC | PO BOX 11229 COLUMBIA, SC 29206 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $3K | $3K | 4.64% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 1661 INTERNATIONAL DR STE 300 MEMPHIS, TN 38120 | UNUM INSURANCE COMPANY | $2K | $272 | $2K | 13.03% |
| THE CASON GROUP INC3 Filed as: THE CASON GROUP LLC | 1612 MARION ST COLUMBIA, SC 29201 | UNUM INSURANCE COMPANY | $2K | $153 | $2K | 12.37% |
| THE CASON GROUP INC3 Filed as: THE CASON GROUP LLC | PO BO 11229 COLUMBIA, SC 29206 | UNUM INSURANCE COMPANY | $0 | $885 | $885 | 4.91% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 1661 INTERNATIONAL DR STE 300 MEMPHIS, TN 38120 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $762 | $2K | 13.81% |
| THE CASON GROUP INC3 Filed as: THE CASON GROUP LLC | PO BOX 11229 COLUMBIA, SC 29206 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $790 | $790 | 4.77% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 1661 INTERNATIONAL DR STE 300 MEMPHIS, TN 38120 | UNUM INSURANCE COMPANY | $954 | $156 | $1K | 10.91% |
| THE CASON GROUP INC3 | 1612 MARION ST COLUMBIA, SC 29201 | UNUM INSURANCE COMPANY | $954 | $85 | $1K | 10.21% |
| THE CASON GROUP INC3 Filed as: THE CASON GROUP LLC | PO BOX 11229 COLUMBIA, SC 29206 | UNUM INSURANCE COMPANY | $0 | $505 | $505 | 4.96% |
| THE CASON GROUP INC3 Filed as: THE CASON GROUP LLC | PO BO 11229 COLUMBIA, SC 29206 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $250 | $250 | 4.67% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 1661 INTERNATIONAL DR STE 300 MEMPHIS, TN 38120 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $247 | $247 | 4.62% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 1661 INTERNATIONAL DR STE 300 MEMPHIS, TN 38120 | UNUM INSURANCE COMPANY | $442 | $62 | $504 | 12.63% |
| THE CASON GROUP INC3 Filed as: THE CASON GROUP LLC | 1612 MARION ST COLUMBIA, SC 29201 | UNUM INSURANCE COMPANY | $442 | $36 | $478 | 11.98% |
| THE CASON GROUP INC3 Filed as: THE CASON GROUP LLC | PO BOX 11229 COLUMBIA, SC 29206 | UNUM INSURANCE COMPANY | $0 | $202 | $202 | 5.06% |
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 | 184 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 185 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 186 | $443K |
| Dental | STARMOUNT LIFE INSURANCE COMPANY | 133 | $82K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 133 | $82K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 184 | $60K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 53 | $17K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 186 | $443K |
| Other(5 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 184 | $93K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 186 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.