| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 | 55 E JACKSON BLVD FLOOR 14A CHICAGO, IL 60604 | BLUECROSS BLUESHIELD OF ILLINOIS | $146K | $2K | $149K | 4.08% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | PO BOX 2167 GRAND RAPIDS, MI 49501 | SUN LIFE ASSURANCE COMPANY OF CANADA | $56K | $3K | $59K | 20.77% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 | 238 IMMOKALEE RD SUITE 240 NAPLES, FL 34110 | SUN LIFE ASSURANCE COMPANY OF CANADA | $14K | — | $14K | 5.03% |
| CENTRO BENEFITS RESEARCH LLC3 | 200 GALLERIA PKWY SE SUITE 1950 ALTANTA, GA 30339 | SUN LIFE ASSURANCE COMPANY OF CANADA | -$197 | — | -$197 | -0.07% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | EMPLOYEE BENEFITS DEPT 55 E JACKSON BLVD #14A CHICAGO, IL 60604 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | — | $8K | 20.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST WEST | PO BOX 2167 GRAND RAPIDS, MI 49501 | DELTA DENTAL OF ILLINOIS | $14K | — | $14K | 45.18% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 55 E JACKSON BLVD FL 14 CHICAGO, IL 606044466 | VISION SERVICE PLAN | $3K | — | $3K | 10.97% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | EMPLOYEE BENEFITS DEPT 55 E JACKSON BLVD FLOOR 14A CHICAGO, IL 60604 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 19.99% |
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 | 263 | 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) | 263 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ILLINOIS | 545 | $3.6M |
| Dental | DELTA DENTAL OF ILLINOIS | 217 | $31K |
| Vision | VISION SERVICE PLAN | 181 | $23K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 263 | $283K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 263 | $283K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 263 | $283K |
| Other(3 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 263 | $328K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 545 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.