| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST INS | 55 EAST JACKSON BLVD FLOOR 12 CHICAGO, IL 60604 | BLUE SHIELD OF CALIFORNIA LIFE & HEALTH INSURANCE COMPANY | — | — | $0 | 0.00% |
| JOSEPH K HALEY3 | 101 N. WACKER DRIVE SUITE 612 CHICAGO, IL 60606 | BLUE SHIELD OF CALIFORNIA LIFE & HEALTH INSURANCE COMPANY | — | — | $0 | 0.00% |
| JOSEPH K HALEY3 | 101 N. WACKER DRIVE SUITE 612 CHICAGO, IL 60606 | SUN LIFE ASSURANCE COMPANY OF CANADA | $24K | — | $24K | 8.25% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | PO BOX 2167 GRAND RAPIDS, MI 49501 | SUN LIFE ASSURANCE COMPANY OF CANADA | $16K | — | $16K | 5.51% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD RD SUITE 300 KIRKWOOD, MO 63122 | SUN LIFE ASSURANCE COMPANY OF CANADA | $5K | — | $5K | 1.82% |
| JOSEPH K HALEY3 | 101 N. WACKER DRIVE SUITE 612 CHICAGO, IL 60606 | METROPOLITAN LIFE INSURANCE COMPANY | $17K | — | $17K | 6.71% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD ROAD SUITE 300 KIRKWOOD, MO 63122 | METROPOLITAN LIFE INSURANCE COMPANY | $12K | $4K | $16K | 6.18% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 55 EAST JACKSON BLVD CHICAGO, IL 60604 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $59 | $6K | 2.48% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 16253 COLLECTION CENTER DR 40 W MADISON 4TH FLOOR CHICAGO, IL 60693 | METROPOLITAN LIFE INSURANCE COMPANY | — | $11 | $11 | 0.00% |
| JOSEPH K HALEY3 | 812 N WASHINGTON AVE PARK RIDGE, IL 60068 | VISION SERVICE PLAN | $1K | — | $1K | 3.03% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 55 E JACKSON BLVD FL 14 CHICAGO, IL 606044466 | VISION SERVICE PLAN | $812 | — | $812 | 1.81% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 1411 OPUS PL STE 450 DOWNERS GROVE, IL 605151423 | VISION SERVICE PLAN | $460 | — | $460 | 1.03% |
| JOSEPH K HALEY3 Filed as: JOSEPH HALEY | 101 N. WACKER DRIVE SUITE 612 CHICAGO, IL 60606 | SAFEGUARD HEALTH PLANS, INC., A CALIFORNIA CORPORATION | $247 | — | $247 | 6.71% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD RD SUITE 300 KIRKWOOD, MO 63122 | SAFEGUARD HEALTH PLANS, INC., A CALIFORNIA CORPORATION | $168 | $59 | $227 | 6.17% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 3390 UNIVERSITY AVE, SUITE 300 RIVERSIDE, CA 92501 | SAFEGUARD HEALTH PLANS, INC., A CALIFORNIA CORPORATION | $89 | — | $89 | 2.42% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CALIFORNIA PHYSICIANS SERVICE EIN 94-0360524 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | 50 BEALE ST SAN FRANCISO, CA 94105 | $251K |
| JOSEPH K HALEY BROKER | Other commissions; Insurance agents and brokers Service code 22 | 101 N. WAKER DRIVE CHICAGOL, IL 60606 | $112K |
| HUB INTERNATIONAL MIDWEST INS EIN 35-0672425 BROKER | Other commissions; Insurance agents and brokers Service code 22 | 55 EAST JACKSON BLVD FLOOR 2 CHICAGO, IL 60604 | $52K |
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 | 404 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 14 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 418 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 643 | $262K |
| Vision | VISION SERVICE PLAN | 338 | $45K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 404 | $287K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 404 | $287K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 404 | $287K |
| Stop-loss / reinsurancereinsurance | BLUE SHIELD OF CALIFORNIA LIFE & HEALTH INSURANCE COMPANY | 344 | $895K |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 404 | $287K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 643 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.