| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STEVEN RAY GRIFFIN | 2000 MORRIS AVE STE 1400 BIRMINGHAM, AL 35203 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $95K | $16K | $111K | 7.40% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BENEFIT COMMERCE GROUP LLC | 14300 NORTH NORTHSIGHT BLVD #221 SCOTTSDALE, AZ 852603677 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $17K | $17K | 3.28% |
| HUB INTERNATIONAL MIDWEST LIMITED Filed as: BENEFIT COMMERCE GROUP LLC | 14300 NORTH NORTHSIGHT BLVD #221 SCOTTSDALE, AZ 852603677 | AMERITAS LIFE INSURANCE CORP. | $12K | — | $12K | 2.50% |
| HUB INTERNATIONAL MIDWEST LIMITED Filed as: BENEFIT COMMERCE GROUP LLC | 14300 NORTH NORTHSIGHT BLVD #221 SCOTTSDALE, AZ 852603677 | ARMADA CARE | $24K | — | $24K | 7.80% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BENEFIT COMMERCE GROUP LLC | 14300 NORTH NORTHSIGHT BLVD #221 SCOTTSDALE, AZ 852603677 | COMPANION LIFE INS COMPANY | $0 | $0 | $0 | 0.00% |
| HUB INTERNATIONAL MIDWEST LIMITED Filed as: BENEFIT COMMERCE GROUP LLC | 14300 NORTH NORTHSIGHT BLVD #221 SCOTTSDALE, AZ 852603677 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $3K | $8K | 5.82% |
| HUB INTERNATIONAL MIDWEST LIMITED Filed as: BENEFIT COMMERCE GROUP LLC | 14300 NORTH NORTHSIGHT BLVD #221 SCOTTSDALE, AZ 852603677 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $15K | $2K | $17K | 17.21% |
| HUB INTERNATIONAL MIDWEST LIMITED Filed as: BENEFIT COMMERCE GROUP LLC | 14300 NORTH NORTHSIGHT BLVD #221 SCOTTSDALE, AZ 852603677 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $13K | $2K | $15K | 16.78% |
| HUB INTERNATIONAL MIDWEST LIMITED Filed as: BENEFIT COMMERCE GROUP LLC | 14300 NORTH NORTHSIGHT BLVD #221 SCOTTSDALE, AZ 852603677 | VISION SERVICE PLAN | $7K | — | $7K | 10.00% |
| HUB INTERNATIONAL MIDWEST LIMITED Filed as: BENEFIT COMMERCE GROUP LLC | 14300 NORTH NORTHSIGHT BLVD #221 SCOTTSDALE, AZ 852603677 | UNITED LIFE INSURANCE COMPANY | $700 | — | $700 | 2.36% |
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 | 2,010 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 2,017 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 4 carriers) | ARMADA CARE | 719 | $481K |
| Dental | AMERITAS LIFE INSURANCE CORP. | 2,239 | $487K |
| Vision(3 contracts, 3 carriers) | AMERITAS LIFE INSURANCE CORP. | 2,239 | $561K |
| Life insurance(3 contracts, 2 carriers) | COMPANION LIFE INS COMPANY | 2,163 | $371K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 463 | $88K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,163 | $135K |
| Prescription drug(2 contracts, 2 carriers) | COMPANION LIFE INS COMPANY | 719 | $139K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 724 | $513K |
| Other(6 contracts, 4 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,239 | $2.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,239 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.