| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 | 55 E JACKSON BLVD CHICAGO, IL 60604 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $84K | — | $84K | 10.78% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | PO BOX 5668 CONCORD, CA 94524 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $20K | $3K | $23K | 2.90% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 55 EAST JACKSON BLVD FLOOR 13 CHICAGO, IL 60604 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $15K | — | $15K | 8.03% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 Filed as: EDGEWOOD PARTNERS INSURANCE CENTERS | PO BOX 5668 CONCORD, CA 94524 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $4K | — | $4K | 1.90% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 55 E JACKSON BLVD FL 14 CHICAGO, IL 606044466 | VISION SERVICE PLAN | $2K | — | $2K | 4.79% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 1140 AVENUE OF THE AMERICAS FL NEW YORK, NY 10036 | VISION SERVICE PLAN | $230 | — | $230 | 0.57% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 100 SUNNYSIDE BLVD STE 400 WOODBURY, NY 11797 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 8.31% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHEAST LIMITED | 100 SU NNYSIDE BLVD STE 400 WOODBURY, NY 11797 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 16.55% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 100 SUNNYSIDE BLVD STE 400 WOODBURY, NY 11797 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $970 | — | $970 | 10.78% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 55 EAST JACKSON BLVD SUITE 14A CHICAGO, IL 60604 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $512 | — | $512 | 10.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 100 SUNNYSIDE BLVD STE 400 WOODBURY, NY 11797 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $529 | — | $529 | 16.40% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 55 EAST JACKSON BLVD 14F CHICAGO, IL 60604 | UNITEDHEALTHCARE INSURANCE COMPANY | $897 | — | $897 | 44.85% |
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 | 173 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 180 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 225 | $791K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 148 | $186K |
| Vision | VISION SERVICE PLAN | 142 | $40K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 56 | $36K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 190 | $9K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 237 | $15K |
| Other(3 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 237 | $54K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 237 | — |
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.