| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL TEXAS INC | 2001 BRYAN ST SUITE 800 DALLAS, TX 752013031 | BLUECROSS BLUESHEILD OF TEXAS | $32K | — | $32K | 4.88% |
| WM RIGG CO3 | 421 W 3RD ST SUITE 800 FORT WORTH, TX 761023758 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | $60 | $7K | 12.83% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INSURANCE SERVICE | 2001 BRYAN ST SUITE 800 DALLAS, TX 752013031 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $3K | $3K | 4.35% |
| CATTO & CATTO BENEFITS GROUP LLP3 Filed as: CATTO & CATTO BENEFITS GRP | 106 S SAINT MARYS ST SUITE 800 SAN ANTONIO, TX 782053603 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $33 | $33 | 0.06% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL TEXAS, INC. | PO BOX 847746 DALLAS, TX 752847746 | VISION SERVICE PLAN | $817 | $0 | $817 | 6.88% |
| WM RIGG CO3 | 421 W 3RD ST SUITE 800 FORT WORTH, TX 761023758 | SAFEGUARD HEALTH PLANS, INC. | $674 | $0 | $674 | 10.33% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INSURANCE SERVICE | 2001 BRYAN ST SUITE 800 DALLAS, TX 752013031 | SAFEGUARD HEALTH PLANS, INC. | $0 | $283 | $283 | 4.34% |
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 | 201 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 201 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHEILD OF TEXAS | 107 | $661K |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 289 | $64K |
| Vision | VISION SERVICE PLAN | 97 | $12K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 289 | $58K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 289 | $58K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 289 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.