| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COBBS ALLEN & HALL INC3 Filed as: COBBS ALLEN CAPITAL LLC | DBA CAC SPECIALTY 115 OFFICE PARK DR STE 200 BIRMINGHAM, AL 352232423 | METROPOLITAN LIFE INSURANCE COMPANY | $15K | $3K | $17K | 8.54% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 55 E JACKSON BLVD CHICAGO, IL 606044466 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $66 | $6K | 3.07% |
| ENROLLEASE3 Filed as: ENROLLEASE INC | 7979 OLD GEORGETOWN RD STE 300 BETHESDA, MD 208142554 | METROPOLITAN LIFE INSURANCE COMPANY | — | $2K | $2K | 0.99% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 16253 COLLECTION CENTER DR 40 W MADISON 4TH FL BANK OF AMERICA CHICAGO, IL 606930162 | METROPOLITAN LIFE INSURANCE COMPANY | — | $525 | $525 | 0.26% |
| COBBS ALLEN & HALL INC3 Filed as: COBBS ALLEN CAPITAL LLC | DBA CAC SPECIALTY 115 OFFICE PARK DR STE 200 BRIMINGHAM, AL 352232423 | METROPOLITAN LIFE INSURANCE COMPANY | $889 | — | $889 | 10.19% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 55 E JACKSON BLVD CHICAGO, IL 606044466 | METROPOLITAN LIFE INSURANCE COMPANY | $483 | $66 | $549 | 6.29% |
| ENROLLEASE3 Filed as: ENROLLEASE INC | 7979 OLD GEORGETOWN RD STE 300 BETHESDA, MD 208142554 | METROPOLITAN LIFE INSURANCE COMPANY | — | $220 | $220 | 2.52% |
| COBBS ALLEN & HALL INC3 Filed as: COBBS ALLEN CAPITAL LLC | 115 OFFICE PARK DR BIRMINGHAM, AL 352232421 | METROPOLITAN LIFE INSURANCE COMPANY | — | $86 | $86 | 0.99% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 16253 COLLECTION CENTER DR 40 W MADISON 4TH FL BANK OF AMERICA CHICAGO, IL 606930162 | METROPOLITAN LIFE INSURANCE COMPANY | — | $39 | $39 | 0.45% |
| COBBS ALLEN & HALL INC3 Filed as: COBBS ALLEN CAPITAL LLC | DBA CAC SPECIALTY 115 OFFICE PARK DR STE 200 BRIMINGHAM, AL 352232433 | METROPOLITAN LIFE INSURANCE COMPANY | $859 | — | $859 | 10.23% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 55 E JACKSON BLVD CHICAGO, IL 606044466 | METROPOLITAN LIFE INSURANCE COMPANY | $473 | $66 | $539 | 6.42% |
| ENROLLEASE3 Filed as: ENROLLEASE INC | 7979 OLD GEORGETOWN RD STE 300 BETHESDA, MD 208142554 | METROPOLITAN LIFE INSURANCE COMPANY | — | $213 | $213 | 2.54% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 16253 COLLECTION CENTER DR 40 W MADISON 4TH FL BANK OF AMERICA CHICAGO, IL 606930162 | METROPOLITAN LIFE INSURANCE COMPANY | — | $38 | $38 | 0.45% |
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 | 104 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 105 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 236 | $203K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 236 | $203K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 236 | $203K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 236 | $203K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 236 | $203K |
| Other(3 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 236 | $220K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 236 | — |
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.