| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL TEXAS, INC | UNKNOWN FORNEY, TX 75126 | BLUE CROSS BLUE SHIELD OF TEXAS | $63K | $0 | $63K | 5.94% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL TEXAS INC | 3211 COLLINSWORTH STREET FORT WORTH, TX 76107 | HARTFORD LIFE AND ACCIDENT | $18K | $0 | $18K | 16.91% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 15191 GALBRAITH AVENUE SE GRAND RAPIDS, MI 49546 | HARTFORD LIFE AND ACCIDENT | $0 | $2K | $2K | 1.63% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 10000 NORTH CENTRAL EXPRESSWAY SUITE 1200 DALLAS, TX 75231 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $7K | $0 | $7K | 9.90% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL TEXAS INC | 3211 COLLINSWORTH STREET FORT WORTH, TX 76107 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $132 | $5K | 13.65% |
| BENETEK CORPORATION3 | 6277 SEA HARBOR DRIVE, SUITE 201 ORLANDO, FL 32821 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $3K | $3K | 8.60% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL TEXAS, INC | 3221 COLLINSWORTH STREET FORT WORTH, TX 76107 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $66 | $2K | 4.18% |
| UNKNOWN3 | UNKNOWN FORNEY, TX 75126 | TELADOC HEALTH, INC. | $1K | $0 | $1K | 15.02% |
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 | 281 | 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) | 281 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF TEXAS | 147 | $1.1M |
| Dental(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 203 | $108K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 203 | $37K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 281 | $108K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 281 | $108K |
| Long-term disability(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 281 | $145K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF TEXAS | 147 | $1.1M |
| Other(3 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 310 | $153K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 310 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.