| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD. | 55 WEST MONROE ST SUITE 500 CHICAGO, IL 60603 | DELTA DENTAL OF NJ, INC. | $10K | — | $10K | 3.10% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 55 EAST JACKSON BLVD CHICAGO, IL 60604 | SUN LIFE ASSURANCE COMPANY OF CANADA | $29K | — | $29K | 9.85% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INSURANCE SERVICE | 3390 UNIVERSITY AVE #300 RIVERSIDE, CA 92501 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $9K | $9K | 3.03% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 55 EAST JACKSON BLVD CHICAGO, IL 60604 | SUN LIFE ASSURANCE COMPANY OF CANADA | $10K | — | $10K | 18.36% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INSURANCE SERVICE | 3390 UNIVERSITY AVE #300 RIVERSIDE, CA 92501 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $2K | $2K | 3.25% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 15162 COLLECTION CENTER DR CHICAGO, IL 60693 | VISION SERVICE PLAN | $2K | — | $2K | 3.74% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AETNA LIFE INSURANCE COMPANY EIN 06-6033492 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $339K |
| SUN LIFE ASSURANCE COMPANY EIN 38-1082080 CLAIMS PROCESSING | Claims processing Service code 12 | — | $19K |
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 | 371 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 371 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF NJ, INC. | 303 | $324K |
| Vision | VISION SERVICE PLAN | 231 | $50K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 526 | $289K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 526 | $289K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 526 | $289K |
| Prescription drug | RX BENEFITS | 301 | $508K |
| Stop-loss / reinsurancereinsurance | HM LIFE INSURANCE COMPANY | 413 | $631K |
| Other(2 contracts) | SUN LIFE ASSURANCE COMPANY OF CANADA | 526 | $346K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 526 | — |
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.