| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST | P.O. BOX 6650 METRAIRE, LA 70009 | CIGNA HEALTH AND LIFE INSURANCE | $17K | $100K | $117K | 5.82% |
| HERITAGE CORPORATE BENEFITS3 | 2487 CEDARCREST RD SUITE 122 ACWORTH, GA 30101 | CIGNA HEALTH AND LIFE INSURANCE | $0 | $521 | $521 | 0.03% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | P.O. BOX 6650 METARIE, LA 70009 | METROPOLITAN LIFE INSURANCE COMPANY | $18K | $0 | $18K | 14.03% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 16253 COLLECTION CENTER DR 40 W MADISON 4TH FL BANK OF AMERICA CHICAGO, IL 60693 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $2K | $2K | 1.64% |
| HERITAGE CORPORATE BENEFITS3 | 2487 CEDARCREST ROAD SUITE 122 ACWORTH, GA 30101 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $0 | $1K | 1.05% |
| CHARLES BOYD3 | 3510 N CAUSEWAY BLVD SUITE 300 METAIRIE, LA 70002 | SPECTERA | $2K | $0 | $2K | 10.01% |
| ROGERS BENEFIT GROUP INC3 Filed as: RANDALL ROGERS | 5006 LYNDALE AVENUE SOUTH MINNEAPOLIS, MN 55419 | SPECTERA | $2K | $0 | $2K | 9.50% |
| KINGDOM INSURANCE SOLUTIONS3 | 82 PARKCREST LANE DALLAS, GA 30132 | SPECTERA | $798 | $0 | $798 | 4.98% |
| GARY WHITE3 | 26 PLACER DRIVE DAHLONEGA, GA 30533 | SPECTERA | $160 | $0 | $160 | 1.00% |
| JARRETT S PECK4 | 348 LEMON STREET NE MARIETTA, GA 30060 | PRE-PAID LEGAL SERVICES, INC DBA LEGALSHIELD | $248 | $0 | $248 | 4.65% |
| HUB INTERNATIONAL MIDWEST LIMITED4 Filed as: HUB INTERNATIONAL MIDWEST LTD | 2487 CEDARCREST ROAD SUITE 222 ACWORTH, GA 30101 | PRE-PAID LEGAL SERVICES, INC DBA LEGALSHIELD | $212 | $0 | $212 | 3.98% |
| J KEEBS & ASSOCIATES4 | 1950 BUFORD DAM RD APT 406 CUMMING, GA 30041 | PRE-PAID LEGAL SERVICES, INC DBA LEGALSHIELD | $161 | $0 | $161 | 3.02% |
| UPSCALE INTERNATIONAL3 | 401 GILLETTE STREET LA CROSSE, WA 54603 | PRE-PAID LEGAL SERVICES, INC DBA LEGALSHIELD | $28 | $0 | $28 | 0.53% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE COM EIN 59-1031071 CLAIMS PROCESSOR | Claims processing; Plan Administrator; Contract Administrator Service code 12 | — | $89K |
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 | 204 | 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) | 204 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE | 166 | $2.0M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE | 166 | $2.0M |
| Vision | SPECTERA | 111 | $16K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 204 | $125K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 204 | $125K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 204 | $125K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 204 | $130K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 204 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.