| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 | 4830 W. KENNEDY BLVD. STE 850 TAMPA, FL 33609 | STANDARD INSURANCE COMPANY | $11K | — | $11K | 10.00% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | STANDARD INSURANCE COMPANY | $6K | $2K | $7K | 6.38% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NE LIMITED | 401 NE BROADHOLLOW RD. STE 200 MELVILLE, NY 11747 | STANDARD INSURANCE COMPANY | — | $3K | $3K | 2.30% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 4830 W. KENNEDY BLVD STE 850 TAMPA, FL 33609 | STANDARD INSURANCE COMPANY | $10K | — | $10K | 13.91% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | STANDARD INSURANCE COMPANY | $3K | $2K | $5K | 7.64% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NE LIMITED | 401 BROADHOLLOW RD. STE 200 MELVILLE, NY 11747 | STANDARD INSURANCE COMPANY | — | $4K | $4K | 5.01% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 4830 W. KENNEDY BLVD. STE 850 TAMPA, FL 33609 | STANDARD INSURANCE COMPANY | $9K | — | $9K | 16.66% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | STANDARD INSURANCE COMPANY | $2K | $1K | $4K | 6.42% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NE LIMITED | 401 BROADHOLLOW RD. STE 200 MELVILLE, NY 11747 | STANDARD INSURANCE COMPANY | — | $2K | $2K | 3.59% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | STANDARD INSURANCE COMPANY | $2K | $1K | $3K | 7.26% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 4830 W. KENNEDY BLVD. STE 850 TAMPA, FL 33609 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 6.93% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NE LIMITED | 401 BROADHOLLOW RD. STE 200 MELVILLE, NY 11747 | STANDARD INSURANCE COMPANY | — | $2K | $2K | 4.41% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | STANDARD INSURANCE COMPANY | $2K | $1K | $3K | 7.28% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 4830 W. KENNEDY BLVD. STE 850 TAMPA, FL 33609 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 6.92% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NE LIMITED | 401 BROADHOLLOW RD. STE 200 MELVILLE, NY 11747 | STANDARD INSURANCE COMPANY | — | $2K | $2K | 4.44% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 4830 W. KENNEDY BLVD. STE 850 TAMPA, FL 33609 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | STANDARD INSURANCE COMPANY | $806 | $217 | $1K | 6.35% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NE LIMITED | 401 BROADHOLLOW RD. STE 200 MELVILLE, NY 11747 | STANDARD INSURANCE COMPANY | — | $361 | $361 | 2.24% |
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 | 117 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 122 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | STANDARD INSURANCE COMPANY | 113 | $111K |
| Vision | STANDARD INSURANCE COMPANY | 103 | $16K |
| Life insurance | STANDARD INSURANCE COMPANY | 117 | $70K |
| Short-term disability | STANDARD INSURANCE COMPANY | 117 | $44K |
| Long-term disability | STANDARD INSURANCE COMPANY | 117 | $47K |
| Other | STANDARD INSURANCE COMPANY | 0 | $55K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 117 | — |
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.