| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 | 5600 NEW KING DR SUITE 210 TROY, MI 48098 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $3K | $3K | 1.69% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 5600 NEW KING DR SUITE 210 TROY, MI 48098 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $450 | $450 | 0.73% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR, INC., EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $226K |
| HUB INTERNATIONAL MIDWEST LIMITED EIN 73-0990126 INSURANCE AGENT/BROKER | Consulting fees; Insurance agents and brokers Service code 22 | PO BOX 2158 RIVERSIDE, CA 92516 | $45K |
| ARMSRX, LLC EIN 81-5191759 THIRD PARTY ADMINISTRATOR | Plan Administrator; Consulting (general) Service code 14 | — | $17K |
| NATIONAL EAP EIN 11-3533680 THIRD PARTY EAP | Other services; Direct payment from the plan Service code 49 | 490 WHEELER RD SUITE 102 HAUPPAUGE, NY 11788 | $8K |
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 | 228 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 228 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 233 | $26K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 256 | $165K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 256 | $62K |
| Stop-loss / reinsurancereinsurance | TOKIO MARINE | 228 | $954K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 256 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.