| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST, LIMITED | 751 CORPORATE CENTER DR SUITE 130 RALEIGH, NC 27607 | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | $42K | — | $42K | 2.03% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | PO BOX 939 BURLINGTON, NC 27216 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $33K | $16K | $49K | 21.49% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 751 CORPORATE CENTER DR STE 120 RALEIGH, NC 27607 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $47 | $3K | 2.48% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 16253 COLLECTION CENTER DR CHICAGO, IL 60693 | METROPOLITAN LIFE INSURANCE COMPANY | — | $494 | $494 | 0.39% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 3510 N CAUSEWAY BLVD STE 300 METAIRIE, LA 70002 | SUN LIFE ASSURANCE COMPANY OF CANADA | $33K | — | $33K | 35.30% |
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 | 248 | 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) | 250 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | 167 | $2.1M |
| Dental(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 499 | $353K |
| Vision | UNITED OF OMAHA LIFE INSURANCE COMPANY | 249 | $227K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 249 | $227K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 249 | $227K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 249 | $227K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA | 167 | $2.1M |
| Other(3 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 285 | $326K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 499 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.