| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | KEVIN M GARDNER 3510 N CAUSEWAY BLVD STE 300 METAIRIE, LA 700023531 | UNITED HEALTHCARE INSURANCE COMPANY | $134K | $0 | $134K | 8.77% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | MOUNT STE 700 8110 E UNION AVE DENVER, CO 802372966 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $6K | $6K | 1.18% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | GULF SOUTH L SUITE 300 3510 N CAUSEWAY BLVD METAIRIE, LA 70002 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $3K | $3K | 0.66% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | MOUNT STE 700 8110 E UNION AVE DENVER, CO 70002 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $4K | $4K | 1.18% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | GULF SOUTH L SUITE 300 3510 N CAUSEWAY BLVD METAIRIE, LA 70002 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $2K | $2K | 0.66% |
| RED ROBIN INTERNATIONAL3 | 10000 EAST GEDDES AVENUE, SUITE 500 ENGLEWOOD, CO 801123722 | VSP | $0 | $0 | $0 | 0.00% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON CAMPANIES LLC | MOUNT STE 700 8110 E UNION AVE DENVER, CO 802372966 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $3K | $3K | 0.94% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | GULF SOUTH L SUITE 300 3510 N CAUSEWAY BLVD METAIRIE, LA 70002 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $1K | $1K | 0.52% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | GULF SOUTH L SUITE 300 3510 N CAUSEWAY BLVD METAIRIE, LA 70002 | UNUM INSURANCE COMPANY | $2K | $21K | $23K | 19.79% |
| THE ORIENTATION COMPANY, INC.3 | 5 COWBOYS WAY SITE I FRISCO, TX 75034 | UNUM INSURANCE COMPANY | $0 | $20K | $20K | 17.52% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | MOUNT STE 700 8110 E UNION AVE DENVER, CO 802372966 | UNUM INSURANCE COMPANY | $12K | $2K | $14K | 12.27% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | GULF SOUTH L SUITE 300 3510 N CAUSEWAY BLVD METAIRIE, LA 70002 | UNUM INSURANCE COMPANY | $221 | $20K | $20K | 21.53% |
| THE ORIENTATION COMPANY, INC.3 | 5 COWBOYS WAY SITE I FRISCO, TX 75034 | UNUM INSURANCE COMPANY | $0 | $20K | $20K | 21.27% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | MOUNT STE 700 8110 E UNION AVE DENVER, CO 802372966 | UNUM INSURANCE COMPANY | $13K | $2K | $16K | 16.72% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | GULF SOUTH L SUITE 300 3510 N CAUSEWAY BLVD METAIRIE, LA 70002 | UNUM INSURANCE COMPANY | $214 | $20K | $20K | 22.95% |
| THE ORIENTATION COMPANY, INC.3 | 5 COWBOYS WAY SITE I FRISCO, TX 75034 | UNUM INSURANCE COMPANY | $0 | $20K | $20K | 22.67% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | MOUNT STE 700 8110 E UNION AVE DENVER, CO 802372966 | UNUM INSURANCE COMPANY | $12K | $2K | $14K | 15.74% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | GULF SOUTH L SUITE 300 3510 N CAUSEWAY BLVD METAIRIE, LA 70002 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $95 | $95 | 1.43% |
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 | 2,400 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 13 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 12 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,425 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITED HEALTHCARE INSURANCE COMPANY | 694 | $1.5M |
| Vision | VSP | 2,288 | $278K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,309 | $767K |
| Short-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,673 | $367K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,309 | $493K |
| Other(6 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,309 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,309 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.