| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 | 55 E JACKSON BLVD CHICAGO, IL 60604 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $408K | — | $408K | 2.50% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 3390 UNIVERSITY AVE., SUITE 300 RIVERSIDE, CA 92501 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $176K | $36K | $212K | 20.59% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD ROAD SUITE 300 KIRKWOOD, MO 63122 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $20K | — | $20K | 1.94% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | HUB INTL MIDWEST LIMITED OPERATION WEST ACCOUNT RIVERSIDE, CA 925162158 | EYEMED VISION CARE | $7K | — | $7K | 5.12% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | HUB INTERNATIONAL MIDWEST LIMITED RIVERSIDE, CA 925162158 | EYEMED VISION CARE | $6K | — | $6K | 4.64% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | HUB INTERNATIONAL MIDWEST LIMITED RIVERSIDE, CA 925162158 | EYEMED VISION CARE | $548 | — | $548 | 60.75% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | HUB INTERNATIONAL MIDWEST LIMITED OPERATION WEST ACCOUNT RIVERSIDE, CA 925162158 | EYEMED VISION CARE | $542 | — | $542 | 60.09% |
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 | 1,286 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 13 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,299 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 2,172 | $16.3M |
| Dental | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,286 | $1.0M |
| Vision(2 contracts) | EYEMED VISION CARE | 1,864 | $129K |
| Life insurance | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,286 | $1.0M |
| Short-term disability | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,286 | $1.0M |
| Long-term disability | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,286 | $1.0M |
| Other | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,286 | $1.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,172 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.