| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED Filed as: HUB INTERNATIONAL | — | BLUECROSS BLUESHIELD OF TEXAS | $0 | $60K | $60K | 5.83% |
| ROGERS BENEFIT GROUP INC Filed as: ROGERS BENEFIT GROUP, INC | — | BLUECROSS BLUESHIELD OF TEXAS | $17K | $0 | $17K | 1.69% |
| GBC BENEFITS LTD Filed as: GBC BENEFITS, LTD | — | BLUECROSS BLUESHIELD OF TEXAS | $1K | $0 | $1K | 0.14% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL TEXAS INC | 3221 COLLINSWORTH ST FORT WORTH, TX 76107 | PRINCIPAL LIFE INSURANCE COMPANY | $29K | $0 | $29K | 13.44% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | PRINCIPAL LIFE INSURANCE COMPANY | $16K | $5K | $21K | 9.75% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL LIMITED | 150 N RIVERSIDE PLZ STE 1700 CHICAGO, IL 60606 | PRINCIPAL LIFE INSURANCE COMPANY | $0 | $7K | $7K | 3.01% |
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 | 183 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 4 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 191 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF TEXAS | 298 | $1.0M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 369 | $217K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 369 | $217K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 369 | $217K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 369 | $217K |
| Other | PRINCIPAL LIFE INSURANCE COMPANY | 369 | $217K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 369 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.