| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTL MIDWEST LIMITED | 55 E JACKSON STE 14B CHICAGO, IL 60604 | HARTFORD LIFE AND ACCIDENT | $97K | $31K | $128K | 18.60% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES R NELLIGAN & ASSOC LLC | 1060 BROADWAY STE 400 ALBANY, NY 12204 | HARTFORD LIFE AND ACCIDENT | — | $34K | $34K | 5.00% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES R NELLIGAN & ASSOC LLC | 1060 BROADWAY SUITE 400 ALBANY, NY 12204 | STANDARD INSURANCE COMPANY | $14K | — | $14K | 4.84% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | TRUSS, A DIVISION OF HUB 9200 WARD PKWY STE 500 KANSAS CITY, MO 64114 | STANDARD INSURANCE COMPANY | $10K | — | $10K | 3.48% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NE LIMITED | 1065 AVE OF THE AMERICAS NEW YORK, NY 10018 | STANDARD INSURANCE COMPANY | $9K | — | $9K | 3.13% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES R NELLIGAN & ASSOC LLC | 1060 BROADWAY SUITE 400 ALBANY, NY 12204 | STANDARD INSURANCE COMPANY | $6K | — | $6K | 2.09% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES R NELLIGAN & ASSOC LLC | 1060 BROADWAY SUITE 400 ALBANY, NY 12004 | STANDARD INSURANCE COMPANY | $4K | — | $4K | 5.97% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES R NELLIGAN & ASSOC LLC | 1060 BROADWAY SUITE 400 ALBANY, NY 12204 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 4.84% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NE LIMITED | 1065 AVE OF THE AMERICAS NEW YORK, NY 10018 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 3.10% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUECROSS BLUESHIELD OF ALABAMA EIN 63-0103830 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $496K |
| HUB INTERNATIONAL MIDWEST LTD BROKER | Other commissions Service code 55 | 15174 COLLECTIONS CENTER DR CHICAGO, IL 606930001 | $0 |
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 | 857 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 858 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | STANDARD INSURANCE COMPANY | 676 | $291K |
| Vision | STANDARD INSURANCE COMPANY | 625 | $72K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 887 | $688K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 887 | $688K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 887 | $688K |
| Other | HARTFORD LIFE AND ACCIDENT | 887 | $688K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 887 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.