| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED Filed as: BENEFIT COMMERCE GROUP, LLC | 14300 N NORTHSIGHT BLVD STE 221 SCOTTSDALE, AZ 85260 | AMERITAS LIFE INSURANCE CORP | $13K | $0 | $13K | 2.50% |
| HUB INTERNATIONAL MIDWEST LIMITED Filed as: BENEFIT COMMERCE GROUP, LLC | 14300 N NORTHSIGHT BLVD STE 221 SCOTTSDALE, AZ 85260 | ARMADACARE | $12K | — | $12K | 3.47% |
| AGMNGA LLC | NOT PROVIDED EDINA, MN 55435 | ASSURITY LIFE INSURANCE COMPANY | $145K | — | $145K | 43.73% |
| HUB INTERNATIONAL MIDWEST LIMITED Filed as: BENEFIT COMMERCE GROUP, LLC | 14300 N NORTHSIGHT BLVD STE 221 SCOTTSDALE, AZ 85260 | ASSURITY LIFE INSURANCE COMPANY | $97K | $0 | $97K | 29.15% |
| HUB INTERNATIONAL MIDWEST LIMITED Filed as: BENEFIT COMMERCE GROUP, LLC | 14300 N NORTHSIGHT BLVD STE 221 SCOTTSDALE, AZ 85260 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | $567 | $8K | 4.15% |
| HUB INTERNATIONAL MIDWEST LIMITED Filed as: BENEFIT COMMERCE GROUP, LLC | 14300 N NORTHSIGHT BLVD STE 221 SCOTTSDALE, AZ 85260 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $17K | $360 | $17K | 15.32% |
| HUB INTERNATIONAL MIDWEST LIMITED Filed as: BENEFIT COMMERCE GROUP, LLC | 14300 N NORTHSIGHT BLVD STE 221 SCOTTSDALE, AZ 85260 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $15K | $0 | $15K | 15.00% |
| HUB INTERNATIONAL MIDWEST LIMITED Filed as: BENEFIT COMMERCE GROUP, LLC | 14300 N NORTHSIGHT BLVD STE 221 SCOTTSDALE, AZ 85260 | VISION SERVICE PLAN | $8K | $0 | $8K | 10.00% |
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 | 2,148 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,156 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | COMPANION LIFE INSURANCE COMPANY | 347 | $712K |
| Dental | AMERITAS LIFE INSURANCE CORP | 2,351 | $501K |
| Vision(2 contracts, 2 carriers) | AMERITAS LIFE INSURANCE CORP | 2,351 | $577K |
| Life insurance(3 contracts, 2 carriers) | COMPANION LIFE INSURANCE COMPANY | 2,139 | $680K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 500 | $98K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,139 | $195K |
| Prescription drug | COMPANION LIFE INSURANCE COMPANY | 347 | $372K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 805 | $587K |
| Other(6 contracts, 5 carriers) | AMERITAS LIFE INSURANCE CORP | 2,351 | $1.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,351 | — |
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."
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.