| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL TEXAS, INC. | 106 S SAINT MARYS ST STE 800 SAN ANTONIO, TX 782053603 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $104K | $104K | 1.36% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL TEXAS INC | PO BOX 2158 RIVERSIDE, CA 92516 | HARTFORD LIFE AND ACCIDENT | $122K | — | $122K | 17.90% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 1591 GALBRAITH AVE SE GRAND RAPIDS, MI 49546 | HARTFORD LIFE AND ACCIDENT | — | $15K | $15K | 2.26% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL TEXAS, INC. | 106 SOUTH SAINT MARYS STREET SUITE 800 SAN ANTONIO, TX 782053603 | UNITEDHEALTHCARE INSURANCE COMPANY | $10K | — | $10K | 2.80% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL TEXAS, INC. | 106 S SAINT MARYS ST STE 800 SAN ANTONIO, TX 782053603 | UNITEDHEALTHCARE INSURANCE COMPANY | $8K | — | $8K | 10.03% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL TEXAS, INC. | PO BOX 2158 RIVERSIDE, CA 92516 | METLIFE LEGAL PLANS | $1K | — | $1K | 5.92% |
| CATTO & CATTO BENEFITS GROUP LLP3 Filed as: CATTO & CATTO BENEFITS GROUP LLC | 106 SOUTH SAINT MARYS STREET SUITE 800 SAN ANTONIO, CO 78205 | METLIFE LEGAL PLANS | $520 | — | $520 | 2.88% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL TEXAS, INC. | 106 S SAINT MARYS ST STE 800 SAN ANTONIO, TX 782053603 | MEDICAL AIR SERVICES ASSOCIATION, INC. | $3K | — | $3K | 15.57% |
| CATTO & CATTO BENEFITS GROUP LLP3 Filed as: CATTO AND CATTO | 106 S SAINT MARYS ST STE 800 SAN ANTONIO, TX 78205 | MEDICAL AIR SERVICES ASSOCIATION, INC. | $744 | — | $744 | 4.42% |
| CATTO & CATTO BENEFITS GROUP LLP3 | 106 S SAINT MARYS ST STE 800 1 ALAMO CENTER SAN ANTONIO, TX 782053603 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | — | $5K | — |
| BSC AGENCY LLC3 | 1025 ASHWORTH RD STE 101 WEST DES MOINES, IA 502653542 | METROPOLITAN LIFE INSURANCE COMPANY | — | $940 | $940 | — |
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 | 877 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 880 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 1,351 | $7.7M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 1,351 | $353K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 1,351 | $77K |
| Life insurance(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 1,494 | $680K |
| Long-term disability(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 1,494 | $680K |
| Other(5 contracts, 5 carriers) | HARTFORD LIFE AND ACCIDENT | 1,498 | $734K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,498 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.