| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MOUNTAIN STATES L | 101 S. MAIN STREET PO BOX 6006 SHERIDAN, WY 82801 | HEALTH CARE SERVICE CORPORATION | $23K | — | $23K | 0.72% |
| STEVEN MARIANI3 | 640 WEST 1ST STREET HAVRE, MT 59501 | HEALTH CARE SERVICE CORPORATION | $8K | — | $8K | 0.24% |
| STEVEN MARIANI3 | 640 WEST 1ST STREET HAVRE, MT 59501 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 3.98% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MOUNTAIN STATES L | 101 S. MAIN STREET PO BOX 6006 SHERIDAN, WY 82801 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $604 | $2K | 1.14% |
| STEVEN MARIANI3 | 640 WEST 1ST STREET HAVRE, MT 59501 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 7.44% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MOUNTAIN STATES L | 101 S. MAIN STREET PO BOX 6006 SHERIDAN, WY 82801 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $124 | $3K | 6.79% |
No Schedule C service providers reported on this filing.
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 | 209 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 209 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH CARE SERVICE CORPORATION | 349 | $3.1M |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 436 | $218K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 436 | $180K |
| Prescription drug | HEALTH CARE SERVICE CORPORATION | 349 | $3.1M |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 436 | $218K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 436 | — |
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.
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.