| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MTN STATE LIMITED | 101 S MAIN STREET SHERIDIAN, WY 82801 | SELECTHEALTH | $57K | $11K | $68K | 6.49% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MOUNTAIN STATES | — | DELTA DENTAL OF IDAHO | $4K | — | $4K | 5.00% |
| 208 BENEFITS LLC3 | 800 W MAIN STREET STE 1460 BOISE, ID 83702 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $10K | $16K | 21.97% |
| GBS BENEFITS INC3 | 465 S 400 STE 300 SALT LAKE CITY, UT 84111 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | — | $5K | 6.65% |
| 208BENEFITS LLC3 | 208 W MAIN STREET STE 1460 BOISE, ID 83702 | PRINCIPAL LIFE INSURANCE COMPANY | $8K | — | $8K | 14.13% |
| 208BENEFITS LLC | — | ASSURITY LIFE INSURANCE COMPANY | $6K | — | $6K | 22.22% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL GREAT PLAINS LLC | 11516 MIRACLE HILLS DR STE 100 OMAHA, NE 681544473 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $47 | $2K | 10.43% |
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 | 154 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 155 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | SELECTHEALTH | 200 | $1.0M |
| Dental | DELTA DENTAL OF IDAHO | 128 | $82K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 107 | $15K |
| Life insurance(3 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 350 | $159K |
| Short-term disability(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 163 | $130K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 162 | $73K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 350 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.