| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SBR SERVICES LLC3 Filed as: SBR SERVICES, LLC | 2839 PACES FERRY ROAD SOUTHEAST SUITE 830 ATLANTA, GA 30339 | RELIASTAR LIFE INSURANCE COMPANY | — | $56K | $56K | 7.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA INC | PO BOX 510925 NEW BERLIN, WI 53151 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $13K | $4K | $17K | 18.49% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R. NELLIGAN & ASSOCIATES LLC | 1933 STATE ROUTE 35 SUITE 368 WALL, NJ 07719 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $350 | $1K | $2K | 1.76% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 15162 COLLECTIONS CENTER DRIVE CHICAGO, IL 60693 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $350 | $1K | 1.51% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA INC | PO BOX 510925 NEW BERLIN, WI 53151 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | — | $4K | 13.87% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R. NELLIGAN & ASSOCIATES LLC | 1933 STATE ROUTE 35 SUITE 368 WALL, NJ 07719 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $96 | $402 | $498 | 1.96% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 15162 COLLECTIONS CENTER DRIVE CHICAGO, IL 60693 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $288 | $96 | $384 | 1.51% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 55 EAST JACKSON BOULEVARD CHICAGO, IL 60604 | WYSSTA INSURANCE COMPANY INC | $2K | — | $2K | 8.14% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA INC | PO BOX 510925 NEW BERLIN, WI 53151 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | — | $4K | 18.42% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 15162 COLLECTIONS CENTER DRIVE CHICAGO, IL 60693 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $352 | $88 | $440 | 1.98% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R. NELLIGAN & ASSOCIATES LLC | 1933 STATE ROUTE 35 SUITE 368 WALL, NJ 07719 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $88 | $336 | $424 | 1.91% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA INC | PO BOX 510925 NEW BERLIN, WI 53151 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 18.02% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 15162 COLLECTIONS CENTER DRIVE CHICAGO, IL 60693 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $262 | $66 | $328 | 2.47% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R. NELLIGAN & ASSOCIATES LLC | 1933 STATE ROUTE 35 SUITE 368 WALL, NJ 07719 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $66 | $249 | $315 | 2.37% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNA AGENCTY, LLC | 17335 GOLF PARKWAY SUITE 450 BROOKFIELD, WI 53045 | CARE-PLUS DENTAL PLANS, INC. | $554 | — | $554 | 6.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH USA INC | PO BOX 510925 NEW BERLIN, WI 53151 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $947 | — | $947 | 14.02% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R. NELLIGAN & ASSOCIATES LLC | 1993 STATE ROUTE 35 SUITE 368 WALL, NJ 07719 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $22 | $75 | $97 | 1.44% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 15162 COLLECTIONS CENTER DRIVE CHCIAGO, IL 60693 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $66 | $22 | $88 | 1.30% |
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 | 355 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 357 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CARE-PLUS DENTAL PLANS, INC. | 32 | $9K |
| Vision | WYSSTA INSURANCE COMPANY INC | 246 | $24K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 336 | $93K |
| Long-term disability(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 115 | $32K |
| Stop-loss / reinsurancereinsurance | RELIASTAR LIFE INSURANCE COMPANY | 274 | $801K |
| Other(5 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 420 | $135K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 420 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.