| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL TEXAS INC | 421 WEST 3RD STREET, SUITE 800 FORT WORTH, TX 76102 | METROPOLITAN LIFE INSURANCE COMPANY | $16K | $996 | $16K | 12.92% |
| ELIZABETH SCHENK3 | 4725 WEST SAND LAKE ROAD SUITE 300 ORLANDO, FL 32819 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $3K | $3K | 2.68% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL TEXAS INC | 421 WEST 3RD STREET, SUITE 800 FORT WORTH, TX 76102 | ONEAMERICA GROUP | $7K | — | $7K | 10.71% |
| ELIZABETH SCHENK3 | 4725 WEST SAND LAKE ROAD SUITE 300 ORLANDO, FL 32819 | ONEAMERICA GROUP | $0 | $6K | $6K | 8.40% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL TEXAS INC | 421 WEST 3RD STREET, SUITE 800 FORT WORTH, TX 76102 | SAFEGUARD HEALTH PLANS, INC . A TEXAS CORPORATION | $870 | — | $870 | 9.08% |
| ELIZABETH SCHENK3 | 4725 WEST SAND LAKE ROAD SUITE 300 ORLANDO, FL 32819 | SAFEGUARD HEALTH PLANS, INC . A TEXAS CORPORATION | $0 | $265 | $265 | 2.77% |
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 | 285 | 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) | 285 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 226 | $137K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 226 | $128K |
| Life insurance | ONEAMERICA GROUP | 285 | $70K |
| Short-term disability | ONEAMERICA GROUP | 285 | $70K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 226 | $128K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 285 | $197K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 285 | — |
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.