| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 16253 COLLECTION CENTER DRIVE 40 WEST MADISON, 4TH FLOOR CHICAGO, IL 60693 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $1K | $1K | 1.55% |
| GIS BENEFITS INC3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $791 | $791 | 1.13% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 6100 SOUTH YALE AVENUE, SUITE 1900 TULSA, OK 74136 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $47 | $47 | 0.07% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 13100 NORTH WESTERN AVENUE SUITE 115 OKLAHOMA CITY, OK 73114 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $47 | $47 | 0.07% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL - OKLAHOMA CITY | 13100 NORTH WESTERN AVENUE SUITE 115 OKLAHOMA CITY, OK 73114 | NATIONWIDE LIFE INSURANCE COMPANY | $4K | $0 | $4K | 10.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | UNKNOWN TULSA, OK 74136 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $3K | $0 | $3K | 14.35% |
| GIS BENEFITS INC3 | UNKNOWN MORRIS, IL 60450 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $0 | $2K | $2K | 10.33% |
| ASSURED BENEFITS ADMINISTRATORS3 | 221 NORTH KANSAS STREET, SUITE 1610 EL PASO, TX 79901 | ROSCOMMON INSURANCE COMPANY | $0 | $28K | $28K | — |
| STONE MOUNTAIN3 | 5636 FORD STREET NORWALK, IA 50211 | ROSCOMMON INSURANCE COMPANY | $0 | $26K | $26K | — |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 6100 SOUTH YALE AVENUE, SUITE 1900 TULSA, OK 74136 | ROSCOMMON INSURANCE COMPANY | $0 | $19K | $19K | — |
| TOBY HEALTH PLANS LLC3 | 3435 SINCA STEET, SUITE C ENGLEWOOD, CO 80110 | ROSCOMMON INSURANCE COMPANY | $0 | $14K | $14K | — |
| UMR, INC.3 Filed as: UNITED HEALTHCARE SERVICES INC | 12221 MERIT DRIVE, SUITE 1800 DALLAS, TX 75251 | ROSCOMMON INSURANCE COMPANY | $0 | $12K | $12K | — |
| BENEFIT MALL3 | 12404 PARK CENTRAL DRIVE, SUITE 400 DALLAS, TX 75251 | ROSCOMMON INSURANCE COMPANY | $0 | $5K | $5K | — |
| HEALTH ROSETTA GROUP PBC3 | 3019 NE 127TH STREET, SUITE 27633 SEATTLE, WA 98165 | ROSCOMMON INSURANCE COMPANY | $0 | $3K | $3K | — |
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 | 323 | 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) | 323 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ROSCOMMON INSURANCE COMPANY | 51 | $0 |
| Dental | NATIONWIDE LIFE INSURANCE COMPANY | 73 | $38K |
| Vision | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 323 | $24K |
| Life insurance | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 323 | $24K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 337 | $70K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 337 | $70K |
| Prescription drug | ROSCOMMON INSURANCE COMPANY | 51 | $0 |
| Other | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 323 | $24K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 337 | — |
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.
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.