| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INSURANCE SVCS | 111 S TEJON STREET SUITE 113 COLORADO SPRINGS, CO 80903 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $4K | $4K | 1.25% |
| AMWINS3 Filed as: AMWINS GROUP BENEFITS INC | 1 ENTERPRISE DR STE 210 SHELTON, CT 064844631 | METROPOLITAN LIFE INSURANCE COMPANY | -$6K | $25K | $19K | 602.56% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS SVCS INC | 7770 JEFFERSON ST NE STE 101 ALBUQUERQUE, NM 87109 | METROPOLITAN LIFE INSURANCE COMPANY | $18K | $60 | $18K | 562.24% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS SVCS INC | PO BOX 2158 RIVERSIDE, CA 925162158 | METROPOLITAN LIFE INSURANCE COMPANY | — | $259 | $259 | 8.00% |
| AMWINS3 Filed as: AMWINS GROUP BENEFITS INC | 1 ENTERPRISE DR STE 210 SHELTON, CT 064844631 | METROPOLITAN LIFE INSURANCE COMPANY | -$3K | $14K | $11K | 388.17% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS SVCS INC | 7770 JEFFERSON ST NE 101 ALBUQUERQUE, NM 871094368 | METROPOLITAN LIFE INSURANCE COMPANY | $10K | $60 | $10K | 363.60% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS SVCS INC | PO BOX 2158 RIVERSIDE, CA 925162158 | METROPOLITAN LIFE INSURANCE COMPANY | — | $147 | $147 | 5.17% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED CONCORDIA COMPANIES, INC EIN 25-1687586 INSURANCE AGENCY | Insurance services Service code 23 | — | $45K |
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 | 1,490 | 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) | 1,490 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | PRESBYTERIAN HEALTH PLAN INC. | 1,408 | $6.0M |
| Vision | VISION SERVICE PLAN | 762 | $90K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,490 | $342K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,490 | $342K |
| Other(3 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,490 | $366K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,490 | — |
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.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
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.