| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COBBS ALLEN & HALL INC3 Filed as: COBBS ALLEN CAPITAL LLC | 115 OFFICE PARK DRIVE, SUITE 200 BIRMINGHAM, AL 35223 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $8K | $14K | $22K | 9.68% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 3390 UNIVERSITY AVE., SUITE 300 RIVERSIDE, CA 92501 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $15K | — | $15K | 6.52% |
| COBBS ALLEN & HALL INC3 Filed as: COBBS ALLEN CAPITAL LLC | 115 OFFICE PARK DRIVE, SUITE 200 BIRMINGHAM, AL 35223 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | $80 | $4K | 8.63% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 203 N LA SALLE ST 20TH FLOOR CHICAGO, IL 60603 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 6.53% |
| COBBS ALLEN & HALL INC3 Filed as: COBBS-ALLEN & HALL, INC. | 115 OFFICE PARK DR 200 BIRMINGHAM, AL 35223 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $3K | $3K | 5.68% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS, INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 4.94% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS, INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $122 | $122 | 0.25% |
| COBBS ALLEN & HALL INC3 Filed as: COBBS ALLEN CAPITAL LLC | 115 OFFICE PARK DRIVE, SUITE 200 BIRMINGHAM, AL 35223 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 8.30% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 203 N LA SALLE ST 20TH FLOOR CHICAGO, IL 60603 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 6.70% |
| COBBS ALLEN & HALL INC3 Filed as: COBBS-ALLEN & HALL, INC. | PO BOX 530847 115 OFFICE PARK DR 200 BIRMINGHAM, AL 352232423 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $2K | $2K | 3.79% |
| COBBS ALLEN & HALL INC3 Filed as: COBBS ALLEN CAPITAL, LLC | 115 OFFICE PARK DRIVE, SUITE 200 BIRMINGHAM, AL 35223 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 8.06% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 203 N LA SALLE ST, 20 FLOOR CHICAGO, IL 60603 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 6.94% |
| COBBS ALLEN & HALL INC3 Filed as: COBBS-ALLEN & HALL, INC. | PO BOX 530847 115 OFFICE PARK DR STE 200 BIRMINGHAM, AL 352232423 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $713 | $713 | 3.32% |
| 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 | $2K | — | $2K | 10.58% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 203 N LA SALLE ST FL 20 CHICAGO, IL 606011267 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $44 | $2K | 8.28% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 604502215 | METROPOLITAN LIFE INSURANCE COMPANY | $875 | $350 | $1K | 6.52% |
| 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 | — | $76 | $76 | 0.40% |
| 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 | $891 | — | $891 | 10.54% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 203 N LA SALLE ST FL 20 CHICAGO, IL 606011267 | METROPOLITAN LIFE INSURANCE COMPANY | $701 | $44 | $745 | 8.82% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 604502215 | METROPOLITAN LIFE INSURANCE COMPANY | $398 | $159 | $557 | 6.59% |
| 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 | — | $358 | $358 | 4.24% |
| 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 | $7K | — | $7K | 102.32% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 604502215 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $134 | $3K | 47.93% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 203 N LA SALLE ST FL 20 CHICAGO, IL 606011267 | METROPOLITAN LIFE INSURANCE COMPANY | $596 | $44 | $640 | 8.79% |
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 | 389 | 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) | 390 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 376 | $232K |
| Vision | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 376 | $232K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 571 | $48K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 262 | $21K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 146 | $40K |
| Other(4 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 571 | $83K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 571 | — |
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.