| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 | 3011 ARMORY DRIVE SUITE 250 NASHVILLE, TN 37204 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $309K | $182K | $490K | 14.23% |
| HUB INTERNATIONAL MIDWEST LIMITED5 | 3011 ARMORY DRIVE SUITE 250 NASHVILLE, TN 37204 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $74K | $74K | 2.16% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 3011 ARMORY DRIVE SUITE 250 NASHVILLE, TN 37204 | STANDARD INSURANCE COMPANY | $79K | — | $79K | 4.21% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 3011 ARMORY DRIVE SUITE 250 NASHVILLE, TN 37204 | STANDARD INSURANCE COMPANY | — | $20K | $20K | 1.07% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NE LIMITED | 1065 AVENUE OF THE AMERICAS NEW YORK, NY 10018 | STANDARD INSURANCE COMPANY | — | $6K | $6K | 0.33% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST | 3011 ARMORY DRIVE SUITE 250 NASHVILLE, TN 37204 | STANDARD INSURANCE COMPANY | $28K | — | $28K | 8.83% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 3011 ARMORY DRIVE SUITE 250 NASHVILLE, TN 37204 | STANDARD INSURANCE COMPANY | — | $4K | $4K | 1.36% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NE LIMITED | 1065 AVENUE OF THE AMERICAS NEW YORK, NY 10018 | STANDARD INSURANCE COMPANY | — | $2K | $2K | 0.68% |
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 | 4,298 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 34 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 4,332 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | STANDARD INSURANCE COMPANY | 3,200 | $1.9M |
| Vision | STANDARD INSURANCE COMPANY | 2,796 | $318K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 4,219 | $3.4M |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 4,219 | $3.4M |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 4,219 | $3.4M |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 4,219 | $3.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,219 | — |
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.