| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST | 5110 MARYLAND WAY SUITE 250 BRENTWOOD, TN 37027 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $43K | $4K | $47K | 4.31% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | PO BOX 6650 METAIRIE, LA 70009 | METROPOLITAN LIFE INSURANCE COMPANY | $46K | $21 | $46K | 6.75% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 16253 COLLECTION CENTER DR 40 W MADISON 4TH FLOOR CHICAGO, IL 60693 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $7K | $7K | 0.99% |
| AGIS NETWORK INC3 | 2122 KRATKY ROAD ST LOUIS, MO 63114 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $24K | — | $24K | 10.83% |
| KEVIN GARDNER3 Filed as: KEVIN M GARDNER | 3510 N CAUSEWAY BLVD SUITE 300 METAIRIE, LA 70002 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $24K | $0 | $24K | 10.83% |
| HUB INTERNATIONAL MIDWEST LIMITED Filed as: HUB INTERNATIONAL MIDWEST | 16564 E BREWSTER RD #102 COVINGTON, LA 70433 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $21K | $6K | $28K | 13.02% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL GULF SOUTH | 8550 UNITED PLAZA BLVD BATON ROUGE, LA 70809 | UNUM INSURANCE COMPANY | $28K | $9K | $38K | 20.11% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL GULF SOUTH | 8550 UNITED PLAZA BLVD SUITE 500 BATON ROUGE, LA 70809 | STARMOUNT LIFE INSURANCE COMPANY | $8K | $8K | $16K | 9.99% |
| HUB INTERNATIONAL MIDWEST LIMITED Filed as: HUB INTERNATIONAL MIDWEST | 3510 N CAUSEWAY BLVD SUITE 300 METAIRIE, LA 70002 | FOUR EVER LIFE INSURANCE COMPANY | $15K | — | $15K | 10.00% |
| HM CENTERED HEALTH INC | 19 N MAIN STREET WILKES BARRE, PA 18711 | FOUR EVER LIFE INSURANCE COMPANY | $0 | $6K | $6K | 4.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL GULF SOUTH | 16253 COLLECTION CENTER DRIVE CHICAGO, IL 60693 | DELAWARE AMERICAN LIFE INSURANCE COMPANY | $14K | — | $14K | 10.00% |
| HODGES-MACE BENEFITS GRP INC3 Filed as: HODGES-MACE BENEFITS GROUP | 3350 RIVERWOOD PARKWAY SUITE 80 ATLANTA, GA 30339 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $74K | $14K | $88K | 67.35% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL GULF SOUTH | 8550 UNITED PLAZA BLVD BATON ROUGE, LA 70809 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $532 | $4K | 3.42% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HIGHMARK, INC. EIN 23-1294723 | Claims processing Service code 12 | — | $963K |
| AETNA BEHAVIORAL HEALTH LLC PLAN ADMINISTRATOR | Plan Administrator Service code 14 | 151 FARMINGTON AVENUE RSAA HARTFORD, CT 06156 | $19K |
| INFINISOURCE INC EIN 38-2976613 | Plan Administrator Service code 14 | — | $18K |
| ISOLVED BENEFIT SERVICES | Plan Administrator Service code 14 | PO BOX 889 COLDWATER, MI 49036 | $14K |
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 | 2,086 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 13 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 206 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,305 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | FOUR EVER LIFE INSURANCE COMPANY | 25 | $146K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,872 | $1.1M |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 1,388 | $162K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 4,346 | $830K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 2,184 | $214K |
| Other(6 contracts, 5 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 4,346 | $1.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,346 | — |
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."
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.