| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 10000 N CENTRAL EXPY STE 1100 DALLAS, TX 75231 | LIFE INSURANCE COMPANY OF AMERICA | $110K | — | $110K | 1.92% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 10000 N CENTRAL EXPRESSWAY SUITE 1100 DALLAS, TX 75231 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $335K | — | $335K | 10.65% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 10000 N CENTRAL EXPY STE 1100 DALLAS, TX 75231 | VISION SERVICE PLAN | $127K | — | $127K | 6.71% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CONNECTICUT GENERAL LIFE INSURANCE EIN 59-1031071 CLAIMS ADMINISTRATOR | Participant communication; Non-monetary compensation; Direct payment from the plan; Float revenue; Other services; Claims processing; Contract Administrator Service code 12 | — | $7.1M |
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 | 8,437 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 8,437 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 5,798 | $1.9M |
| Life insurance | LIFE INSURANCE COMPANY OF AMERICA | 8,437 | $5.7M |
| Short-term disability | LIFE INSURANCE COMPANY OF AMERICA | 8,437 | $5.7M |
| Long-term disability | LIFE INSURANCE COMPANY OF AMERICA | 8,437 | $5.7M |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 7,489 | $3.1M |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 7,489 | $3.1M |
| Other | LIFE INSURANCE COMPANY OF AMERICA | 8,437 | $5.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 8,437 | — |
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.