| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 100000 N CENTRAL EXPRESSWAY SUITE 1200 DALLAS, TX 75231 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $859K | — | $859K | 6.52% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 100000 N CENTRAL EXPRESSWAY SUITE 1200 DALLAS, TX 75231 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $760K | — | $760K | 9.89% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 100000 N CENTRAL EXPRESSWAY SUITE 1200 DALLAS, TX 75231 | VISION SERVICE PLAN | $310K | — | $310K | 9.99% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE EIN 59-1031071 CLAIMS ADMINISTRATOR | Claims processing; Contract Administrator; Float revenue; Non-monetary compensation; Named fiduciary; Participant communication; Direct payment from the plan; Other services Service code 12 | — | $9.4M |
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 | 13,958 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 13,958 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 9,979 | $3.1M |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 11,824 | $13.2M |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 11,824 | $13.2M |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 11,824 | $13.2M |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 12,207 | $7.7M |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 11,824 | $13.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 12,207 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.