| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 | 6100 S YALE AVE STE 1900 TULSA, OK 74136 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $48K | $48K | 3.60% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 101 PARK AVE FL 12 NEW YORK, NY 10178 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $16K | $16K | 1.23% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL FLORIDA | 777 SW 37TH AVE #500 MIAMI, FL 33135 | STANDARD INSURANCE COMPANY | $11K | — | $11K | 17.72% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 1173 BRITTMOORE RD HOUSTON, TX 77043 | SUN LIFE ASSURANCE COMPANY OF CANADA | $829 | — | $829 | 7.22% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 6100 SOUTH YALE AVENUE SUITE 1900 TULSA, OK 74136 | SUN LIFE ASSURANCE COMPANY OF CANADA | $308 | — | $308 | 2.68% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | PO BOX 2158 RIVERSIDE, CA 92516 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $121 | $121 | 1.05% |
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 | 197 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 199 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 222 | $1.3M |
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 44 | $11K |
| Life insurance | STANDARD INSURANCE COMPANY | 469 | $64K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 222 | $1.3M |
| Other | STANDARD INSURANCE COMPANY | 469 | $64K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 469 | — |
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.