| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 3011 ARMORY DR NASHVILLE, TN 37204 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $12K | $1K | $13K | 11.05% |
| HEALTHJOY, LLC5 | PO BOX 776932 CHICAGO, IL 60677 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $576 | $576 | 0.50% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 3011 ARMORY DR NASHVILLE, TN 37204 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $10K | $1K | $12K | 17.10% |
| HEALTHJOY, LLC5 | PO BOX 776932 CHICAGO, IL 60607 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $5K | $5K | 7.60% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 3011 ARMORY DR NASHVILLE, TN 37204 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $754 | $6K | 17.10% |
| HEALTHJOY, LLC5 | PO BOX 776932 CHICAGO, IL 60677 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $3K | $3K | 7.60% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 3011 ARMORY DR NASHVILLE, TN 37204 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $558 | $5K | 16.97% |
| HEALTHJOY, LLC5 | PO BOX 776932 CHICAGO, IL 60677 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $2K | $2K | 7.60% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 3011 ARMORY DR NASHVILLE, TN 37204 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $457 | $3K | 12.06% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 3011 ARMORY DR NASHVILLE, TN 37204 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $284 | $3K | 16.62% |
| HEALTHJOY, LLC5 | PO BOX 776932 CHICAGO, IL 60677 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $1K | $1K | 7.60% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 3011 ARMORY DR NASHVILLE, TN 37204 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $244 | $2K | 17.05% |
| HEALTHJOY, LLC5 | PO BOX 776932 CHICAGO, IL 60677 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $904 | $904 | 7.60% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 3011 ARMORY DR NASHVILLE, TN 37204 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $168 | $2K | 21.98% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 3011 ARMORY DR NASHVILLE, TN 37204 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $279 | $60 | $339 | 12.14% |
| HEALTHJOY, LLC5 | PO BOX 776932 CHICAGO, IL 60677 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $212 | $212 | 7.59% |
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 | 152 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 154 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITED OF OMAHA LIFE INSURANCE COMPANY | 136 | $115K |
| Vision | UNITED OF OMAHA LIFE INSURANCE COMPANY | 134 | $22K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 148 | $31K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 148 | $68K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 148 | $36K |
| Other(6 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 148 | $69K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 148 | — |
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.