| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FINANCIAL BENEFIT SERVICES LLC3 | 2175 N GLENVILLE DR RICHARDSON, TX 75082 | HEALTH CARE SERVICE CORPORATION | $199K | $0 | $199K | 3.72% |
| FINANCIAL BENEFIT SERVICES LLC3 | 2175 N GLENVILLE DR RICHARDSON, TX 78052 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $36K | $0 | $36K | 10.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: THE BENEFITS HUB LLC | 2185 N GLENVILLE DR RICHARDSON, TX 78052 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $11K | $11K | 3.00% |
| MASS GROUP MARKETING INC3 Filed as: MASS GROUP MARKETING INC. | 2185 N GLENVILLE DR RICHARDSON, TX 75082 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $3K | $3K | 0.77% |
| FINANCIAL BENEFIT SERVICES LLC3 | 2175 N GLENVILLE DR RICHARDSON, TX 75082 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $28K | $9K | $37K | 20.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: THE BENEFITS HUB LLC | 2185 N GLENVILLE DR RICHARDSON, TX 75082 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $6K | $6K | 3.00% |
| FINANCIAL BENEFIT SERVICES LLC3 | 2175 N GLENVILLE DR RICHARDSON, TX 78052 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $17K | $6K | $22K | 20.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: THE BENEFITS HUB LLC | 2185 N GLENVILLE DR RICHARDSON, TX 78052 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $3K | $3K | 3.00% |
| FINANCIAL BENEFIT SERVICES LLC3 | 2175 N GLENVILLE DR RICHARDSON, TX 78052 | UNUM INSURANCE COMPANY | $13K | $2K | $15K | 15.89% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: THE BENEFITS HUB LLC | 2185 N GLENVILLE DR RICHARDSON, TX 78052 | UNUM INSURANCE COMPANY | $3K | $0 | $3K | 2.76% |
| FINANCIAL BENEFIT SERVICES LLC3 | 2175 N GLENVILLE DR RICHARDSON, TX 75082 | UNUM INSURANCE COMPANY | $12K | $2K | $14K | 17.75% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: THE BENEFITS HUB LLC | 2185 N GLENVILLE DR RICHARDSON, TX 75082 | UNUM INSURANCE COMPANY | $2K | $0 | $2K | 2.98% |
| FINANCIAL BENEFIT SERVICES LLC3 | 2175 N GLENVILLE DR RICHARDSON, TX 78052 | UNITEDHEALTHCARE INSURANCE COMPANY | $11K | $0 | $11K | 15.00% |
| FINANCIAL BENEFIT SERVICES LLC3 | 2175 N GLENVILLE DR RICHARDSON, TX 78052 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $10K | $3K | $14K | 20.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: THE BENEFITS HUB LLC | 2185 N GLENVILLE DR RICHARDSON, TX 78052 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $2K | $2K | 3.00% |
| FINANCIAL BENEFIT SERVICES LLC3 | 2175 N GLENVILLE DR RICHARDSON, TX 75082 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $11K | $0 | $11K | 18.99% |
| MASS GROUP MARKETING INC3 Filed as: MASS GROUP MARKETING INC. | 2185 N GLENVILLE DR RICHARDSON, TX 75082 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $2K | $0 | $2K | 3.98% |
| FINANCIAL BENEFIT SERVICES LLC3 | 2175 N GLENVILLE DR RICHARDSON, TX 75082 | STARMOUNT LIFE INSURANCE COMPANY | $7K | $1K | $8K | 14.23% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: THE BENEFITS HUB LLC | 2185 N GLENVILLE DR RICHARDSON, TX 75082 | STARMOUNT LIFE INSURANCE COMPANY | $2K | $0 | $2K | 3.00% |
| FINANCIAL BENEFIT SERVICES LLC3 | 2175 N GLENVILLE DR RICHARDSON, TX 78052 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | $0 | $7K | 15.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: THE BENEFITS HUB LLC | 2185 N GLENVILLE DR RICHARDSON, TX 78052 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $1K | $1K | 3.00% |
| MASS GROUP MARKET INC.3 | 2185 N GLENVILLE DR RICHARDSON, TX 78052 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $336 | $336 | 0.77% |
| FINANCIAL BENEFIT SERVICES LLC3 | 2175 N GLENVILLE DR RICHARDSON, TX 78052 | 5STAR LIFE INSURANCE COMPANY | $12K | $0 | $12K | 30.79% |
| B&B INSURANCE NETWORK SERVICES3 Filed as: B&B INSURANCE NETWORK | 2185 N GLENVILLE DR RICHARDSON, TX 78052 | 5STAR LIFE INSURANCE COMPANY | $1K | $0 | $1K | 3.07% |
| FINANCIAL BENEFIT SERVICES LLC3 | 2175 N GLENVILLE DR RICHARDSON, TX 75082 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $371 | $1K | 20.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: THE BENEFITS HUB LLC | 2185 N GLENVILLE DR RICHARDSON, TX 75082 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $223 | $223 | 3.00% |
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 | 839 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 839 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH CARE SERVICE CORPORATION | 1,218 | $5.3M |
| Dental(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 842 | $468K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 511 | $55K |
| Life insurance(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 851 | $82K |
| Short-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 851 | $185K |
| Long-term disability(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 413 | $77K |
| Other(6 contracts, 4 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 851 | $461K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,218 | — |
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.