| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BENEFIT COMMERCE GROUP LLC | 14300 N NORTHSIGHT BLVD #221 SCOTTSDALE, AZ 85260 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES 'CIGNA' | $81K | $0 | $81K | 6.24% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BENEFIT COMMERCE GROUP, LLC | 14300 N NORTHSIGHT BLVD #221 SCOTTSDALE, AZ 85260 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES 'CIGNA' | $49K | $0 | $49K | 3.74% |
| ANGELONE & ASSOCIATES, INC.3 Filed as: ANGELONE & ASSOCIATES INC. | 14300 N NORTHSIGHT BLVD #221 SCOTTDALE, AZ 85260 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES 'CIGNA' | $0 | $11K | $11K | 0.87% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BENEFIT COMMERCE GROUP | 14300 N NORTHSIGHT BLVD #221 SCOTTSDALE, AZ 85260 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES 'CIGNA' | $613 | — | $613 | 0.05% |
| ANGELONE & ASSOCIATES, INC.3 Filed as: ANGELONE & ASSOCIATES INC. | 14300 N NORTHSIGHT BLVD #221 SCOTTSDALE, AZ 85260 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES 'CIGNA' | — | $240 | $240 | 0.02% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BENEFIT COMMERCE GROUP | 14300 N NORTHSIGHT BLVD #221 SCOTTSDALE, AZ 85260 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES 'CIGNA' | $27 | — | $27 | 0.00% |
| ANGELONE & ASSOCIATES, INC.3 Filed as: ANGELONE & ASSOCIATES INC. | 14300 N NORTHSIGHT BLVD #221 SCOTTSDALE, AZ 85260 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES 'CIGNA' | $0 | $11 | $11 | 0.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BENEFIT COMMERCE GROUP LLC | 14300 N NORTHSIGHT BLVD STE 221 SCOTTSDALE, AZ 852603677 | METROPOLITAN LIFE INSURANCE COMPANY | $13K | — | $13K | — |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BENEFIT COMMERCE GROUP LLC | 14300 N NORTHSIGHT BLVD STE 221 SCOTTSDALE, AZ 852603677 | METROPOLITAN LIFE INSURANCE COMPANY | — | $189 | $189 | — |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BENEFIT COMMERCE GROUP LLC | 14300 N NORTHSIGHT BLVD STE 221 SCOTTSDALE, AZ 852603677 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | — | $4K | — |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BENEFIT COMMERCE GROUP LLC | 14300 N NORTHSIGHT BLVD STE 221 SCOTTSDALE, AZ 852603677 | METROPOLITAN LIFE INSURANCE COMPANY | — | $189 | $189 | — |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BENEFIT COMMERCE GROUP LLC | 14300 N NORTHSIGHT BLVD STE 221 SCOTTSDALE, AZ 852603677 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | — |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BENEFIT COMMERCE GROUP LLC | — | METROPOLITAN LIFE INSURANCE COMPANY | — | $189 | $189 | — |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BENEFIT COMMERCE GROUP LLC | 14300 N NORTHSIGHT BLVD STE 221 SCOTTSDALE, AZ 852603677 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | — | $3K | — |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BENEFIT COMMERCE GROUP LLC | 14300 N NORTHSIGHT BLVD STE 221 SCOTTSDALE, AZ 852603677 | METROPOLITAN LIFE INSURANCE COMPANY | — | $189 | $189 | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE COMPANY CO. EIN 59-1031071 ADMINISTRATIVE SERVICES | Named fiduciary; Non-monetary compensation; Claims processing; Direct payment from the plan; Float revenue; Other services; Participant communication; Contract Administrator Service code 12 | — | $413K |
| CIGNA | Contract Administrator; Participant communication; Claims processing; Named fiduciary; Other services; Non-monetary compensation; Direct payment from the plan; Float revenue Service code 12 | — | $0 |
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 | 363 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 363 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES 'CIGNA' | 957 | $1.3M |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES 'CIGNA' | 957 | $1.3M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 0 | $0 |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 0 | $0 |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES 'CIGNA' | 957 | $1.3M |
| Other(3 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES 'CIGNA' | 957 | $1.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 957 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.