| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BENEFIT COMMERCE GROUP LLC | 14300 N NORTHSIGHT BLVD STE 221 SCOTTSDALE, AZ 85260 | UNITEDHEALTHCARE INSURANCE COMPANY | $15K | $68K | $82K | 5.74% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BENEFIT COMMERCE GROUP LLC | 14300 N NORTHSIGHT BLVD STE 221 SCOTTSDALE, AZ 85260 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $653 | $4K | 11.70% |
| NATIONAL BENEFIT CENTER3 Filed as: NATIONAL BENEFIT CENTER LLC | 6830 COCHRAN RD SOLON, OH 44139 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $560 | $560 | 1.46% |
| AGMNGA LLC DBA ARIS GROUP | 8120 PENN AVENUE SOUTH SUITE 445 BLOOMINGTON, MN 55431 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $9K | $0 | $9K | 31.73% |
| HUB INTERNATIONAL MIDWEST LIMITED Filed as: BENEFIT COMMERCE GROUP LLC | 14300 N NORTHSIGHT BLVD STE 221 SCOTTSDALE, AZ 85260 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $7K | $0 | $7K | 25.27% |
| AGMNGA LLC DBA ARIS GROUP | 8120 PENN AVENUE SOUTH SUITE 445 BLOOMINGTON, MN 55431 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | $0 | $2K | 9.52% |
| HUB INTERNATIONAL MIDWEST LIMITED Filed as: BENEFIT COMMERCE GROUP LLC | 14300 N NORTHSIGHT BLVD STE 221 SCOTTSDALE, AZ 85260 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | $0 | $2K | 9.52% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BENEFIT COMMERCE GROUP LLC | 14300 N NORTHSIGHT BLVD STE 221 SCOTTSDALE, AZ 85260 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $293 | $2K | 17.05% |
| NATIONAL BENEFIT CENTER3 Filed as: NATIONAL BENEFIT CENTER LLC | 6830 COCHRAN RD SOLON, OH 44139 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $252 | $252 | 1.76% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BENEFIT COMMERCE GROUP LLC | 14300 N NORTHSIGHT BLVD STE 221 SCOTTSDALE, AZ 85260 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $286 | $2K | 17.21% |
| NATIONAL BENEFIT CENTER3 Filed as: NATIONAL BENEFIT CENTER LLC | 6830 COCHRAN RD SOLON, OH 44139 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $245 | $245 | 1.89% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BENEFIT COMMERCE GROUP LLC | 14300 N NORTHSIGHT BLVD STE 221 SCOTTSDALE, AZ 85260 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $866 | $146 | $1K | 11.68% |
| NATIONAL BENEFIT CENTER3 Filed as: NATIONAL BENEFIT CENTER LLC | 6830 COCHRAN RD SOLON, OH 44139 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $125 | $125 | 1.44% |
| AGMNGA LLC DBA ARIS GROUP | 8120 PENN AVENUE SOUTH SUITE 445 BLOOMINGTON, MN 55431 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | $0 | $2K | 30.31% |
| HUB INTERNATIONAL MIDWEST LIMITED Filed as: BENEFIT COMMERCE GROUP LLC | 14300 N NORTHSIGHT BLVD STE 221 SCOTTSDALE, AZ 85260 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | $0 | $2K | 24.07% |
| AGMNGA LLC DBA ARIS GROUP | 8120 PENN AVENUE SOUTH SUITE 445 BLOOMINGTON, MN 55431 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | $0 | $1K | 33.36% |
| HUB INTERNATIONAL MIDWEST LIMITED Filed as: BENEFIT COMMERCE GROUP | 14300 N NORTHSIGHT BLVD STE 221 SCOTTSDALE, AZ 85260 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | $0 | $1K | 27.45% |
| AGMNGA LLC DBA ARIS GROUP | 8120 PENN AVENUE SOUTH SUITE 445 BLOOMINGTON, MN 55431 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $700 | $0 | $700 | 29.20% |
| HUB INTERNATIONAL MIDWEST LIMITED Filed as: BENEFIT COMMERCE GROUP LLC | 14300 N NORTHSIGHT BLVD STE 221 SCOTTSDALE, AZ 85260 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $548 | $0 | $548 | 22.86% |
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 | 280 | 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) | 282 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 402 | $1.4M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 402 | $1.4M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 402 | $1.4M |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 259 | $22K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 44 | $14K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 259 | $38K |
| Other(7 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 259 | $85K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 402 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.