| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS SVCES INC | 2000 SOUTH COLORADO BOULEVARD SUITE 150 DENVER, CO 80222 | UNITED HEALTHCARE INSURANCE COMPANY | $31K | $0 | $31K | 1.70% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS SVCES INC | 75 WEST TOWNE RIDGE PARKWAY TOWER 2 SUITE 400 SANDY, UT 84070 | HARTFORD LIFE AND ACCIDENT | $10K | $0 | $10K | 10.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS SVCES | 970 RESERVE DRIVE SUITE 200 ROSAEVILLE, CA 95678 | HARTFORD LIFE AND ACCIDENT | $0 | $4K | $4K | 3.85% |
| WATERTOWER BENEFITS, LLC3 | 227 WEST MONROE STREET, SUITE 5200 CHICAGO, IL 60606 | HARTFORD LIFE AND ACCIDENT | $0 | $1K | $1K | 1.50% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS SVCES INC | PO BOX 2158 RIVERSIDE, CA 92516 | VISION SERVICE PLAN | $1K | $0 | $1K | 5.18% |
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 | 237 | 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) | 239 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 259 | $1.8M |
| Dental | DELTA DENTAL OF COLORADO | 266 | $99K |
| Vision | VISION SERVICE PLAN | 150 | $24K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 237 | $98K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 237 | $98K |
| Prescription drug | UNITED HEALTHCARE INSURANCE COMPANY | 259 | $1.8M |
| Other | HARTFORD LIFE AND ACCIDENT | 237 | $98K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 266 | — |
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.