| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BLACK FINANCIAL SERVICES INC | — | UNITEDHEALTHCARE INSURANCE COMPANY | $12K | $89K | $101K | 3.37% |
| JACQUELINE BARTHELEMY3 Filed as: JACQUELINE MARIE BARTHELEMY | — | UNITEDHEALTHCARE INSURANCE COMPANY | $12K | $0 | $12K | 0.41% |
| JACQUELINE BARTHELEMY3 | 7573 HILLTON ROAD ROYALTON, MN 56373 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 10.57% |
| NEP GA LLC3 | STE 240 2000 CHAPEL VIEW BLVD CRANSTON, RI 02920 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $2K | $2K | 3.38% |
| JACQUELINE BARTHELEMY3 | 7573 HILLTON ROAD ROYALTON, MN 56373 | UNUM INSURANCE COMPANY | $8K | — | $8K | 21.99% |
| NATHIONAL ENROLLMENT PARTNERS3 | STE 240 2000 CHAPEL VIEW BLVD CRANSTON, RI 02920 | UNUM INSURANCE COMPANY | $8K | — | $8K | 21.99% |
| JACQUELINE BARTHELEMY3 | 7573 HILTON ROAD ROYALTON, MN 56373 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $928 | — | $928 | 3.36% |
| NEP GA LLC3 Filed as: NEP BA LLC | STE 240 2000 CHAPEL VIEW BLVD CRANSTON, RI 02920 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $928 | $928 | 3.36% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BLACK FINANCIAL SERVICES INC | PO BOX 346 AVON, MN 56310 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $927 | — | $927 | 3.35% |
| JACQUELINE BARTHELEMY3 | 7573 HILLTON ROAD ROYALTON, MN 56373 | UNUM INSURANCE COMPANY | $4K | — | $4K | 18.58% |
| NATIONAL ENROLLMENT PARTNERS LLC3 Filed as: NATIONAL ENROLLMENT PARTNERS | STE 240 2000 CHAPEL VIEW BLVD CRANSTON, RI 02920 | UNUM INSURANCE COMPANY | $4K | — | $4K | 18.58% |
| JACQUELINE BARTHELEMY3 | 7573 HILLTON ROAD ROYALTON, MN 56373 | UNUM INSURANCE COMPANY | $3K | — | $3K | 17.01% |
| NATHIONAL ENROLLMENT PARTNERS3 | STE 240 2000 CHAPEL VIEW BLVD CRANSTON, RI 02920 | UNUM INSURANCE COMPANY | $3K | — | $3K | 17.01% |
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 | 413 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 413 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 1,021 | $3.0M |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 260 | $73K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 260 | $28K |
| Other(5 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 260 | $144K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,021 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.