| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED Filed as: HUB INTERNATIONAL MID-AMERICA | 425 WEST CAPITOL AVENUE SUITE 3550 LITTLE ROCK, AR 72201 | GUARDIAN LIFE INSURANCE COMPANY | $68K | $14K | $83K | 16.73% |
| HUB INTERNATIONAL MIDWEST LIMITED | 6100 S YALE AVE STE 1900 TULSA, OK 74136 | VISION SERVICE PLAN | — | $9K | $9K | 9.99% |
| HUB INTERNATIONAL MIDWEST LIMITED Filed as: GBS A DIVISION OF HUB INTERNATIONAL | 6100 S YALE AVE STE 1900 TULSA, OK 74136 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 15.00% |
| HUB INTERNATIONAL MIDWEST LIMITED Filed as: GBS A DIVISION OF HUB INTERNATIONAL | 6100 S YALE AVE STE 1900 TULSA, OK 74136 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $0 | $1K | 15.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF KANSAS EIN 48-0952857 | Insurance agents and brokers Service code 22 | 1133 SW TOPEKA BOULEVARD TOPEKA, KS 666290001 | $361K |
| HUB INTERNATIONA MID-AMERICA EIN 35-0672425 | Insurance agents and brokers Service code 22 | 7331 W. 33RD ST N SUITE 100 WICHITA, KS 67205 | $72K |
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 | 646 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 652 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF KANSAS INC | 519 | $0 |
| Vision | VISION SERVICE PLAN | 461 | $85K |
| Short-term disability | GUARDIAN LIFE INSURANCE COMPANY | 640 | $494K |
| Stop-loss / reinsurancereinsurance | BLUE CROSS BLUE SHIELD OF KANSAS | 1,021 | $490K |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 15 | $23K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,021 | — |
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.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.