| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL TEXAS, INC. | 10000 N CENTRAL EXPY STE 1200 DALLAS, TX 75231 | BLUECROSS BLUESHIELD OF TEXAS | $61K | $1K | $62K | 9.20% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL TEXAS INC | ONE ALAMO CENTER 106 S ST MARYS ST STE 800 SAN ANTONIO, TX 78205 | GUARDIAN | $18K | $5K | $23K | 17.52% |
| MCCULLUGH, CHRISTINE M3 | 14715 NE 95TH ST STE 200 REDMOND, WA 98052 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 13.56% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL TEXAS INC | 10000 N CENTRAL EXPY STE 1200 STE 1200 DALLAS, TX 75231 | MEDICAL AIR SERVICES ASSOCIATION, INC. | $2K | — | $2K | 19.88% |
| ASSUREX GLOBAL CORPORATION3 Filed as: ASSUREX GLOBAL | 6620 MOONEY ST SUITE 360 DUBLIN, OH 43017 | MEDICAL AIR SERVICES ASSOCIATION, INC. | $168 | — | $168 | 1.96% |
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 | 104 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 104 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TEXAS | 117 | $676K |
| Dental | GUARDIAN | 108 | $131K |
| Vision | GUARDIAN | 108 | $131K |
| Life insurance | GUARDIAN | 108 | $131K |
| Short-term disability | GUARDIAN | 108 | $131K |
| Prescription drug | BLUECROSS BLUESHIELD OF TEXAS | 117 | $676K |
| Other(4 contracts, 4 carriers) | GUARDIAN | 112 | $160K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 117 | — |
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.