| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 | 251 PROGRESS WAY WAUNAKEE, WI 53597 | AETNA LIFE INSURANCE COMPANY | — | $43K | $43K | 0.59% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 55 EAST JACKSON BOULEVARD CHICAGO, IL 606044466 | KAISER FOUNDATION HEALTH PLAN INC. | $3K | — | $3K | 0.17% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY LLC-BOSTON | 101 HUNTINGTON AVENUE SUITE 401 BOSTON, MA 021997652 | SUTTER HEALTH PLAN | $18K | — | $18K | 1.59% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 251 PROGRESS WAY WAUNAKEE, WI 53597 | AETNA LIFE INSURANCE COMPANY | — | $25K | $25K | 3.09% |
| JOE FERNANDEZ3 | 1201 ELM STREET SUITE 4250 DALLAS, TX 752702111 | COMBINED INSURANCE | $67K | — | $67K | 25.26% |
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BLVD. KING OF PRUSSIA, PA 194062772 | COMBINED INSURANCE | $19K | — | $19K | 6.98% |
| HUB INTERNATIONAL MIDWEST LIMITED Filed as: HUB INTERNATIONAL MIDWEST LTD. | 55 EAST JACKSON BLVD. FLOOR 14 CHICAGO, IA 606044466 | COMBINED INSURANCE | $7K | — | $7K | 2.70% |
| CENTRO BENEFITS RESEARCH LLC3 | 200 GALLERIA PARKWAY SE SUITE 1950 ATLANTA, GA 303395946 | PRINCIPAL LIFE INSURANCE COMPANY | $6K | — | $6K | 2.95% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL LIMITED | 300 NORTH LA SALLE DRIVE FLOOR 17 CHICAGO, IL 606543406 | PRINCIPAL LIFE INSURANCE COMPANY | — | $818 | $818 | 0.40% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 251 PROGRESS WAY WAUNAKEE, WI 53597 | AETNA LIFE INSURANCE COMPANY | — | $4K | $4K | 4.50% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY-NEW ENGLAND | 101 HUNTINGTON AVENUE SUITE 401 BOSTON, MA 02199 | ARAG INSURANCE COMPANY | $4K | — | $4K | 9.89% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | ARAG INSURANCE COMPANY | $39 | — | $39 | 0.11% |
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 | 1,233 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 15 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,248 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | AETNA LIFE INSURANCE COMPANY | 1,120 | $10.0M |
| Dental | AETNA LIFE INSURANCE COMPANY | 2,047 | $809K |
| Vision | AETNA LIFE INSURANCE COMPANY | 1,599 | $93K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 425 | $207K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 425 | $207K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 425 | $207K |
| Prescription drug | SUTTER HEALTH PLAN | 185 | $1.1M |
| Other(3 contracts, 3 carriers) | COMBINED INSURANCE | 1,347 | $508K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,047 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.