| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL GULF SOUTH | P O BOX 2158 ROVERSIDE, CA 92516 | PAN-AMERICAN LIFE INSURANCE COMPANY | $38K | $0 | $38K | 16.96% |
| PAN-AMERICAN LIFE5 | 601 POYDRAS STREET NEW ORLEANS, LA 70130 | PAN-AMERICAN LIFE INSURANCE COMPANY | $0 | $19K | $19K | 8.55% |
| PAN-AMERICAN BENEFIT SOLUTIONS0 Filed as: PAN-AMERICAN BENEFIT | 1778 NO PLANO ROAD #310 RICHARDSON, TX 75081 | PAN-AMERICAN LIFE INSURANCE COMPANY | $0 | $8K | $8K | 3.35% |
| RXEDO0 | P O BOX 678588 DALLAS, TX 75267 | PAN-AMERICAN LIFE INSURANCE COMPANY | $0 | $80 | $80 | 0.04% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL GULF SOUTH | P O BOX 2158 ROVERSIDE, CA 92516 | PAN-AMERICAN LIFE INSURANCE COMPANY | $36K | $0 | $36K | 16.34% |
| PAN-AMERICAN LIFE5 | 601 POYDRAS STREET NEW ORLEANS, LA 70130 | PAN-AMERICAN LIFE INSURANCE COMPANY | — | $17K | $17K | 7.64% |
| PAN-AMERICAN BENEFIT SOLUTIONS0 Filed as: PAN-AMERICAN BENEFIT | 1778 NO PLANO ROAD #310 RICHARSON, TX 75081 | PAN-AMERICAN LIFE INSURANCE COMPANY | — | $7K | $7K | 3.00% |
| RXEDO0 | P O BOX 678586 DALLAS, TX 75267 | PAN-AMERICAN LIFE INSURANCE COMPANY | — | $19 | $19 | 0.01% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTL MIDWEST LIMITED | 1141 MONTLIMAR DRVE TEST MOBILE, AL 36609 | THE HARTFORD | $24K | $0 | $24K | 15.88% |
| GIS BENEFITS INC3 | 422 WAUONSEE STREET MORRIS, IL 60450 | THE HARTFORD | $0 | $7K | $7K | 4.79% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTL MIDWEST LIMITED | 1591 GALBRAITH AVE SE GRAND RAPIDS, MI 49546 | THE HARTFORD | $5K | $0 | $5K | 2.96% |
| ABLE BENEFIT SOLUTIONS3 | P O BOX 11407 DEPT 2142 BIRMINGHAM, AL 35246 | THE HARTFORD | $67 | $0 | $67 | 0.04% |
| HUB INTERNATIONAL MIDWEST LIMITED4 Filed as: HUB INTERNATIONAL | 3510 NORTH CAUSEWAY BLVD SUITE 300 METAIRIE, LA 70002 | COMPANION LIFE INSURANCE COMPANY | $8K | $0 | $8K | 9.82% |
| GIS BENEFITS INC6 | — | COMPANION LIFE INSURANCE COMPANY | $4K | $0 | $4K | 4.91% |
| HUB INTERNATIONAL MIDWEST LIMITED4 Filed as: HUB INTERNATIONAL | 1141 MONTIMAR SR SUITE 2500 MOBILE, AL 36609 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY/BEAM | $4K | $0 | $4K | 10.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 1141 MONTLIMAR DRIVE SUITE 2500 MOBILE, AL 36609 | NEW BENEFITS/TELEHEALTH | $2K | $0 | $2K | 16.45% |
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 | 400 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 400 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD | 187 | $1.6M |
| Dental(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD | 202 | $1.7M |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY/BEAM | 400 | $41K |
| Life insurance(3 contracts, 2 carriers) | PAN-AMERICAN LIFE INSURANCE COMPANY | 224 | $601K |
| Long-term disability | THE HARTFORD | 188 | $152K |
| Prescription drug | BLUE CROSS BLUE SHIELD | 187 | $1.6M |
| Stop-loss / reinsurancereinsurance(2 contracts) | PAN-AMERICAN LIFE INSURANCE COMPANY | 224 | $449K |
| Other(5 contracts, 4 carriers) | BLUE CROSS BLUE SHIELD | 224 | $2.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 400 | — |
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.
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.