| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 | PO BOX 8087 COLUMBIA, SC 29202 | SUN LIFE ASSURANCE COMPANY OF CA | $19K | — | $19K | 4.92% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 10 NORTH PARK DR SUITE 200 HUNT VALLEY, MD 21030 | SUN LIFE ASSURANCE COMPANY OF CA | $14K | — | $14K | 3.59% |
| THE CASON GROUP INC3 Filed as: THE CASON GROUP INC. | 1612 MARION ST COLUMBIA, SC 29201 | SUN LIFE ASSURANCE COMPANY OF CA | — | $4K | $4K | 1.09% |
| THE CASON GROUP INC3 Filed as: THE CASON GROUP INC. | 1612 MARION ST COLUMBIA, SC 29201 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $43 | $4K | 4.77% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: KEENAN SUGGS, HUB INTERNATIONAL SE | PO BOX 8087 COLUMBIA, SC 29202 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $86 | $3K | 3.81% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 200 INTERNATIONAL DR STE 4500 HUNT VALLEY, MD 21031 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $903 | — | $903 | 0.98% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: KENNAN SUGGS, HUB INTERNATIONAL SE | PO BOX 8087 COLUMBIA, SC 29202 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $10 | $1K | 3.32% |
| THE CASON GROUP INC3 Filed as: THE CASON GROUP INC. | 1612 MARION ST COLUMBIA, SC 29201 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $5 | $1K | 3.31% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 10 NORTH PARK DR #200 HUNT VALLEY, MD 21030 | PHYSICIANS EYECARE PLAN | $2K | — | $2K | 5.02% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL LTD. | PO BOX 8087 COLUMBIA, SC 29202 | PHYSICIANS EYECARE PLAN | $2K | — | $2K | 4.98% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL LIMITED | 150 N RIVERSIDE PLZ STE 1700 CHICAGO, IL 60606 | PRINCIPAL LIFE INSURANCE COMPANY | — | $799 | $799 | 3.97% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 10 NORTH PARK DR STE 200 HUNT VALLEY, MD 21030 | PRINCIPAL LIFE INSURANCE COMPANY | $424 | — | $424 | 2.11% |
| LAYNE FINANCIAL INC3 Filed as: LAYNE FINANCIAL INC. | 3009 WILMINGTON RD STE 100 NEW CASTLE, PA 16105 | PRINCIPAL LIFE INSURANCE COMPANY | $293 | $103 | $396 | 1.97% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | PO BOX 8087 COLUMBIA, SC 29202 | PRINCIPAL LIFE INSURANCE COMPANY | $293 | — | $293 | 1.46% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CORPORATE BENEFIT SERVICES EIN 56-1167792 BENEFIT ADMIN | Contract Administrator; Claims processing Service code 12 | — | $225K |
| AP BENEFIT ADVISORS, LLC EIN 45-2712335 BROKER COMMISSIONS | Contract Administrator; Claims processing Service code 12 | — | $54K |
| HUB INTERNATIONAL SE (KEENAN SUGGS) EIN 35-0672425 BROKER COMMISIONS | Contract Administrator; Claims processing Service code 12 | — | $51K |
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 | 421 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 96 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 518 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | SUN LIFE ASSURANCE COMPANY OF CA | 421 | $379K |
| Vision(2 contracts, 2 carriers) | PHYSICIANS EYECARE PLAN | 213 | $54K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CA | 421 | $379K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CA | 421 | $379K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CA | 421 | $379K |
| Other(3 contracts, 3 carriers) | SUN LIFE ASSURANCE COMPANY OF CA | 421 | $509K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 421 | — |
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.