| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 | 401 UNION ST FL 31 SEATTLE, WA 98101 | UNITEDHEALTHCARE INSURANCE COMPANY | $73K | — | $73K | 1.56% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS SVCS INC. | 4695 MACARTHUR COURT, SUITE 600 NEWPORT BEACH, CA 92660 | UNITEDHEALTHCARE INSURANCE COMPANY | $68K | — | $68K | 1.45% |
| ALLIANT INSURANCE SERVICES, INC.3 | 401 UNION ST FL 31 SEATTLE, WA 98101 | UNITEDHEALTHCARE INSURANCE COMPANY | $11K | — | $11K | 5.22% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS SVCS INC. | 4695 MACARTHUR COURT, SUITE 600 NEWPORT BEACH, CA 92660 | UNITEDHEALTHCARE INSURANCE COMPANY | $10K | — | $10K | 4.78% |
| ALLIANT INSURANCE SERVICES, INC.3 | 1420 5TH AVENUE STE 1500 SEATTLE, WA 98101 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | $10K | $3K | $13K | 8.73% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS SVCS INC. | PO BOX 2158 RIVERSIDE, CA 92516 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | $12K | — | $12K | 8.04% |
| AMERICAN BENEFITS CONSULTING LLC3 | 101 PARK AVENUE NEW YORK, NY 10178 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | — | $1K | $1K | 0.93% |
| ALLIANT INSURANCE SERVICES, INC.3 | 1420 FIFTH AVENUE, SUITE 1200 SEATTLE, WA 98101 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | $7K | $2K | $9K | 8.75% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS SVCS INC. | PO BOX 2158 RIVERSIDE, CA 92516 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | $8K | — | $8K | 8.14% |
| AMERICAN BENEFITS CONSULTING LLC3 | 101 PARK AVENUE NEW YORK, NY 10178 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | — | $944 | $944 | 0.92% |
| ALLIANT INSURANCE SERVICES, INC.3 | 1420 5TH AVENUE STE 1500 SEATTLE, WA 98101 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | $5K | $1K | $7K | 8.59% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS SVCS INC. | PO BOX 2158 RIVERSIDE, CA 92516 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | $6K | — | $6K | 8.11% |
| AMERICAN BENEFITS CONSULTING LLC3 | 101 PARK AVENUE NEW YORK, NY 10178 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | $721 | — | $721 | 0.93% |
| ALLIANT INSURANCE SERVICES, INC.3 | 401 UNION ST FL 31 SEATTLE, WA 98101 | UNITEDHEALTHCARE INSURANCE COMPANY | $2K | — | $2K | 5.24% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS SVCS INC. | 4695 MACARTHUR COURT, SUITE 600 NEWPORT BEACH, CA 92660 | UNITEDHEALTHCARE INSURANCE COMPANY | $2K | — | $2K | 4.76% |
| ALLIANT INSURANCE SERVICES, INC.3 | 1420 5TH AVENUE STE 1500 SEATTLE, WA 98101 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | $1K | $318 | $1K | 9.08% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS SVCS INC. | PO BOX 2158 RIVERSIDE, CA 92516 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | $1K | — | $1K | 7.89% |
| AMERICAN BENEFITS CONSULTING LLC3 | 101 PARK AVENUE NEW YORK, NY 10178 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | — | $153 | $153 | 0.95% |
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 | 515 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 518 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 1,351 | $4.7M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 1,351 | $209K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 1,351 | $33K |
| Life insurance | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | 659 | $103K |
| Short-term disability | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | 534 | $149K |
| Long-term disability | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | 534 | $78K |
| Other | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | 534 | $16K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,351 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.