| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL N E LLC | — | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS | $264K | $40K | $304K | 3.45% |
| EMERSON REID LLC3 Filed as: EMERSON REID & CO INC. | 1787 SENTRY PKWY W SUITE 320 BLDG 16 BLUE BELL, PA 19422 | METROPOLITAN LIFE INSURANCE COMPANY | $31K | $1K | $33K | 5.12% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 751 CORPORATE CENTER DR SUITE 120 RALEIGH, NC 27607 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | $59 | $9K | 1.48% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 16253 COLLECTION CENTER DR 40 W MADISON 4TH FLOOR BANK OF AMER CHICAGO, IL 606930162 | METROPOLITAN LIFE INSURANCE COMPANY | — | $4K | $4K | 0.63% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE INC. | 160 FEDERAL ST FL 4 BOSTON, MA 02110 | METROPOLITAN LIFE INSURANCE COMPANY | -$29 | — | -$29 | -0.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL SOUTHEAST | 4401 LEEDS AVE SUITE 260 N CHARLESTON, SC 29405 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $47K | — | $47K | 19.99% |
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL ST BOSTON, MA 02110 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $20 | — | $20 | 0.01% |
| EMERSON REID LLC3 | 5250 N PALM SUITE 424 FRESNO, CA 93704 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5 | — | $5 | 0.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL SOUTHEAST | 4401 LEEDS AVE SUITE 260 N CHARLESTON, SC 29405 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $41K | — | $41K | 19.99% |
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL ST BOSTON, MA 02110 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $18 | — | $18 | 0.01% |
| EMERSON REID LLC3 | 5250 N PALM SUITE 424 FRESNO, CA 93704 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4 | — | $4 | 0.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 4401 LEEDS AVE SUITE 260 N CHARLESTON, SC 29405 | VISION SERVICE PLAN | $2K | — | $2K | 3.01% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL SOUTHEAST | 4401 LEEDS AVE SUITE 260 N CHARLESTON, SC 29405 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $15K | — | $15K | 20.15% |
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL ST BOSTON, MA 12110 | RELIANCE STANDARD LIFE INSURANCE COMPANY | -$107 | — | -$107 | -0.15% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL SOUTHEAST | 4401 LEEDS AVE STE 260 N. CHARLESTON, SC 29405 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $19K | — | $19K | 60.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL SOUTHEAST | 4401 LEEDS AVE STE 260 N. CHARLESTON, SC 29405 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | — | $5K | 20.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 751 CORPORATE CENTER DR. SUITE 120 RALEIGH, NC 27607 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE COMPANY | $2K | $299 | $3K | 11.20% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 751 CORPORATE CENTER DR. STE 120 RALEIGH, NC 27607 | METROPOLITAN GENERAL INSURANCE COMPANY | $851 | $141 | $992 | 11.66% |
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 | 445 | 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) | 445 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS | 1,209 | $8.8M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 1,058 | $637K |
| Vision | VISION SERVICE PLAN | 389 | $78K |
| Life insurance(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 445 | $277K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 446 | $238K |
| Other(6 contracts, 3 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 445 | $367K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,209 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.