| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 | 751 CORPORATE CENTER DR SUITE 120 RALEIGH, NC 27607 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $45K | — | $45K | 6.96% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL SOUTHEAST | 4401 LEEDS AVE SUITE 260 N CHARLESTON, SC 29405 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $50K | — | $50K | 20.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL SOUTHEAST | 4401 LEEDS AVE SUITE 260 N CHARLESTON, SC 29405 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $43K | — | $43K | 20.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 4401 LEEDS AVE SUITE 260 N CHARLESTON, SC 29405 | VISION SERVICE PLAN | $2K | — | $2K | 2.94% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL SOUTHEAST | 4401 LEEDS AVE SUITE 260 N CHARLESTON, SC 29405 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $13K | — | $13K | 20.00% |
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL ST BOSTON, MA 12110 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | — | $0 | 0.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL SOUTHEAST | 4401 LEEDS AVE STE 260 N. CHARLESTON, SC 29405 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 10.06% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL SOUTHEAST | 4401 LEEDS AVE STE 260 N. CHARLESTON, SC 29405 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $6K | — | $6K | 20.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 751 CORPORATE CENTER DR. SUITE 120 RALEIGH, NC 27607 | METROPOLITAN GENERAL INSURANCE COMPANY | $3K | $407 | $3K | 10.60% |
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 | 427 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 24 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 451 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 397 | $651K |
| Vision | VISION SERVICE PLAN | 383 | $76K |
| Life insurance(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 429 | $278K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 429 | $249K |
| Other(5 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 429 | $372K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 429 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.