| 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 | $286K | $3K | $289K | 4.04% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | PO BOX 2167 GRAND RAPIDS, MI 49501 | SUN LIFE ASSURANCE COMPANY OF CANADA | $105K | — | $105K | 19.85% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 | 1933 STATE ROUTE 35 STE 368 WALL, NJ 07719 | SUN LIFE ASSURANCE COMPANY OF CANADA | $26K | — | $26K | 4.96% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | PO BOX 2158 RIVERSIDE, CA 92516 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $22K | $22K | 4.18% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | EMPLOYEE BENEFITS DEPT 55 E JACKSON BLVD #14A CHICAGO, IL 60604 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $13K | — | $13K | 20.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST WEST | PO BOX 2167 GRAND RAPIDS, MI 49501 | DELTA DENTAL OF ILLINOIS | $24K | — | $24K | 45.29% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 55 E JACKSON BLVD FL 14 CHICAGO, IL 606044466 | VISION SERVICE PLAN | $5K | — | $5K | 10.48% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| SUN LIFE ASSURANCE OF CANADA EIN 38-1082080 CLAIMS PROCESSING | Claims processing Service code 12 | — | $36K |
| HUB INTERNTIONAL MIDWEST LIMITED BROKER | Other commissions; Insurance agents and brokers Service code 22 | PO BOX 2167 GRAND RAPIDS, MI 49501 | $10K |
| COMPSYCH EIN 36-3739783 CLAIMS PROCESSING | Claims processing; Contract Administrator Service code 12 | — | $6K |
| JAMES R NELLIGAN & ASSOCIATES LLC BROKER | Other commissions; Insurance agents and brokers Service code 22 | 1933 STATE ROUTE 35 SUITE 368 WALL, NJ 07719 | $2K |
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 | 441 | 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) | 441 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ILLINOIS | 1,049 | $7.2M |
| Dental | DELTA DENTAL OF ILLINOIS | 377 | $53K |
| Vision | VISION SERVICE PLAN | 312 | $49K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 441 | $531K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 441 | $531K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 441 | $531K |
| Other(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 441 | $594K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,049 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.