| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PELNIK INS A MARSH & MCLENNAN AGCY | 100 RIDGE VIEW DR STE 100 CARY, NC 275115589 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $44K | $44K | 2.56% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 2118 N TYLER RD BLDG C WICHITA, KS 672124912 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $15K | $15K | 0.89% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: PELNIK INS A MARSH & MCLENNAN AGCY | 100 RIDGE VIEW DR STE 100 CARY, NC 275115589 | STARMOUNT LIFE INSURANCE COMPANY | $3K | $2K | $5K | 4.59% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: GBS A DIVISION OF HUB INTERNATIONAL | 9200 WARD PARKWAY KANSAS CITY, MO 64414 | STARMOUNT LIFE INSURANCE COMPANY | $641 | $916 | $2K | 1.41% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | ATTN JANICE FERRERA 3510 N CAUSEWAY BLVD METAIRIE, LA 70002 | RELIASTAR LIFE INSURANCE COMPANY | $5K | — | $5K | 10.23% |
| MARSH & MCLENNAN AGENCY LLC3 | 2301 SUGAR BUSH RD STE 220 RALEIGH, NC 276122956 | RELIASTAR LIFE INSURANCE COMPANY | $5K | — | $5K | 9.77% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS SRVCS INC | 6701 CENTER DR W STE 1500 LOS ANGELES, CA 900451561 | RELIASTAR LIFE INSURANCE COMPANY | $1K | — | $1K | 2.91% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 125 S WACKER DR STE 300 CHICAGO, IL 60606 | STANDARD INSURANCE COMPANY | $2K | $330 | $2K | 4.98% |
| MARSH & MCLENNAN AGENCY LLC3 | 2701 S COLUMBIA RD GRAND FORKS, ND 58201 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 4.26% |
| MARSH & MCLENNAN AGENCY LLC3 | 2701 S COLUMBIA RD GRAND FORKS, ND 58201 | STANDARD INSURANCE COMPANY | $1K | — | $1K | 6.63% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 125 S WACKER DR STE 300 CHICAGO, IL 60606 | STANDARD INSURANCE COMPANY | $386 | $330 | $716 | 3.75% |
| MARSH & MCLENNAN AGENCY LLC3 | 2701 S COLUMBIA RD GRAND FORKS, ND 58201 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 12.34% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 125 S WACKER DR STE 300 CHICAGO, IL 60606 | STANDARD INSURANCE COMPANY | $1K | $282 | $2K | 10.46% |
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 | 910 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 910 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 208 | $1.7M |
| Dental | STARMOUNT LIFE INSURANCE COMPANY | 283 | $110K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 283 | $110K |
| Life insurance | STANDARD INSURANCE COMPANY | 94 | $40K |
| Short-term disability | STANDARD INSURANCE COMPANY | 94 | $19K |
| Long-term disability | STANDARD INSURANCE COMPANY | 104 | $16K |
| Other(2 contracts, 2 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 910 | $59K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 910 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.