| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL TEXAS, INC | PO BOX 847746 DALLAS, TX 752847746 | BLUECROSS BLUESHIELD OF TEXAS | $34K | $1K | $36K | 5.17% |
| WM RIGG CO3 | 421 W 3RD ST. STE 800 FORT WORTH, TX 761023749 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | $80 | $7K | 12.83% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INSURANCE SERVICE | 421 W 3RD ST. STE 800 FORT WORTH, TX 761023749 | METROPOLITAN LIFE INSURANCE COMPANY | — | $1K | $1K | 2.01% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL TEXAS, INC. | PO BOX 847746 DALLAS, TX 752847746 | VISION SERVICE PLAN | $802 | — | $802 | 6.99% |
| WM RIGG CO3 | 421 W 3RD ST. STE 800 FORT WORTH, TX 761023749 | SAFEGUARD HEALTH PLANS, INC., A TEXAS CORPORATION | $585 | — | $585 | 9.96% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INSURANCE SERVICE | 421 W 3RD ST. STE 800 FORT WORTH, TX 761023749 | SAFEGUARD HEALTH PLANS, INC., A TEXAS CORPORATION | — | $113 | $113 | 1.92% |
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 | 192 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 192 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TEXAS | 110 | $687K |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 279 | $61K |
| Vision | VISION SERVICE PLAN | 98 | $11K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 279 | $56K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 279 | — |
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 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.