| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 | PO BOX 8087 COLUMBIA, SC 29202 | SUN LIFE ASSURANCE COMPANY OF CANADA | $30K | — | $30K | 8.30% |
| THE CASON GROUP INC3 | 1612 MARION ST COLUMBIA, SC 29201 | SUN LIFE ASSURANCE COMPANY OF CANADA | $7K | — | $7K | 2.04% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL LIMITED | 1330 LADY STREET, SUITE 202 COLUMBIA, SC 29201 | PHYSICIANS EYECARE PLAN | — | $3K | $3K | 10.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | PO BOX 8087 COLUMBIA, SC 292028087 | PRINCIPAL LIFE INSURANCE COMPANY | $618 | $0 | $618 | 2.25% |
| LAYNE FINANCIAL INC3 Filed as: LAYNE FINANCIAL INC. | 3009 WILMINGTON RD STE 100 NEW CASTLE, PA 161051238 | PRINCIPAL LIFE INSURANCE COMPANY | $617 | — | $617 | 2.25% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL LIMITED | 300 N LA SALLE DRIVE FLOOR 17 CHICAGO, IL 606543406 | PRINCIPAL LIFE INSURANCE COMPANY | — | $533 | $533 | 1.94% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | PO BOX 8087 COLUMBIA, SC 29202 | SUN LIFE ASSURANCE COMPANY OF CANADA | $4K | — | $4K | 17.51% |
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 | 352 | 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) | 352 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(3 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 726 | $415K |
| Vision(2 contracts, 2 carriers) | PHYSICIANS EYECARE PLAN | 352 | $60K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 502 | $23K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 502 | $23K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 502 | $23K |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 502 | $23K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 726 | — |
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.