| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL TEXAS, INC | — | BLUE CROSS BLUE SHIELD OF TEXAS | $102K | — | $102K | 1.50% |
| CATTO & CATTO BENEFITS GROUP LLP3 | — | BLUE CROSS BLUE SHIELD OF TEXAS | $74K | — | $74K | 1.08% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL TEXAS, INC | 106 SOUTH SAINT MARYS STREET SUITE 800 SAN ANTONIO, TX 78205 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $30K | — | $30K | 4.31% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL TEXAS, INC | 2924 KNIGHT STREET SUITE 370 SHREVEPORT, LA 71105 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $18K | $18K | 2.65% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL TEXAS INC | ONE ALAMO CENTER 106 SOUTH ST MARYS STREET SUITE 800 SAN ANTONIO, TX 78205 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $52K | $30K | $83K | 12.02% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL TEXAS, INC | 106 SOUTH SAINT MARYS STREET SUITE 800 SAN ANTONIO, TX 78205 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $11K | — | $11K | 10.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL TEXAS, INC | 2924 KNIGHT STREET SUITE 370 SHREVEPORT, LA 71105 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $4K | $4K | 4.04% |
| CATTO & CATTO BENEFITS GROUP LLP3 Filed as: CATTO & CATTO | 217 EAST HOUSTON STREET SUITE 100 SAN ANTONIO, TX 78205 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $7K | — | $7K | 10.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL TEXAS | — | MEDICAL AIR SERVICES ASSOCIATION, INC. | $3K | — | $3K | 20.31% |
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 | 639 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 640 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF TEXAS | 1,068 | $6.8M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 576 | $687K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 617 | $75K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 634 | $803K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 634 | $695K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 634 | $695K |
| Other(5 contracts, 4 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 638 | $1.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,068 | — |
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.