| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 2120 PEWAUKEE RD STE 202 WAUKESHA, WI 53188 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | $610 | $9K | 11.95% |
| INS GROUP INC3 | 5151 SAN FELIPE ST FLOOR 17 HOUSTON, TX 77056 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $3K | $6K | 7.81% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | PO BOX 85638 SAN DIEGO, CA 92186 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $21 | $1K | 9.49% |
| WILLIAM LEROY VINCENT3 | 2501 CHAMBRAY LN MANSFIELD, TX 76063 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $275 | $38 | $313 | 2.86% |
| DEACON CHARLES KAVANAUGH3 | 6336 HILL CREEK DR THE COLONY, TX 75056 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $246 | $14 | $260 | 2.37% |
| MICHELE E MARTIN3 | 5717 HEADQUARTERS DRIVE PLANO, TX 75024 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $223 | $27 | $250 | 2.28% |
| NATIONAL ENROLLMENT PARTNERS LLC3 | 100 ALBRIGHT LANE PROSPER, TX 75078 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $111 | $73 | $184 | 1.68% |
| BRIAN COHEN3 | 6804 N CAPITAL OF TEXAS HWY AUSTIN, TX 78731 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $21 | $0 | $21 | 0.19% |
| RUBEN D PEREZ3 | 6352 ALCORN AVE DALLAS, TX 75217 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $13 | $0 | $13 | 0.12% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 2120 PEWAUKEE RD STE 202 WAUKESHA, WI 53188 | SAFEGUARD HEALTH PLANS, INC., A TEXAS CORPORATION | $164 | $16 | $180 | 9.92% |
| INS GROUP INC3 | 5151 SAN FELIPE ST FLOOR 17 HOUSTON, TX 77056 | SAFEGUARD HEALTH PLANS, INC., A TEXAS CORPORATION | $65 | $109 | $174 | 9.59% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CRUM & FORSTER CLAIMS PROCESSING | Claims processing; Contract Administrator Service code 12 | 305 MADISON AVE. MORRISTOWN, NJ 07960 | $857K |
| BOON CHAPMAN LTD ADMINISTATOR | Contract Administrator; Claims processing Service code 12 | 9401 AMBERGLEN BLVD BUILDING 1, SUITE 100 AUSTIN, TX 78729 | $60K |
| BEVCAP MANAGEMENT LLC EIN 26-1870141 ADMINISTRATOR | Contract Administrator; Claims processing Service code 12 | — | $51K |
| HUB INTERNATIONAL MIDWEST CLAIMS PROCESSING | Claims processing; Contract Administrator Service code 12 | 2120 PEWAUKEE RD, STE 202 WAUKESHA, WI 53188 | $49K |
| AETNA - PPO ADMINISTRATOR | Claims processing; Contract Administrator Service code 12 | 151 FARMINGTON AVE HARTFORD, CT 06115 | $31K |
| BALDWIN GROUP EIN 61-1937225 PROVIDER | Contract Administrator; Claims processing Service code 12 | — | $24K |
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 | 328 | 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) | 328 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF ALABAMA | 31 | $94K |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 124 | $74K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 124 | $72K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 124 | $72K |
| Short-term disability(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 124 | $83K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 124 | $72K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF ALABAMA | 31 | $94K |
| Other(3 contracts, 3 carriers) | BLUE CROSS BLUE SHIELD OF ALABAMA | 124 | $177K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 124 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.