| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 | 203 N LA SALLE STREET FLOOR 20 CHICAGO, IL 60601 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $69K | $69K | 4.03% |
| CHARLES BOSTROM3 Filed as: CHARLES F BOSTROM | 30 MINNEHAHA CIRCLE MAITLAND, FL 32751 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | -$463 | -$463 | -0.03% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 3390 UNIVERSITY AVE., SUITE 300 RIVERSIDE, CA 92501 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $25K | $3K | $28K | 16.73% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 | 1060 BROADWAY SUITE 400 ALBANY, NY 12204 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $8K | — | $8K | 5.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 203 N LA SALLE STREET FLOOR 20 CHICAGO, IL 60601 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $17K | — | $17K | 9.97% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 203 N LA SALLE STREET, 20TH FLOOR CHICAGO, IL 60601 | EB EMPLOYEE SOLUTIONS, LLC | $31K | — | $31K | 26.99% |
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 | 318 | 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) | 319 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 266 | $1.7M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 206 | $168K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 206 | $168K |
| Life insurance | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 318 | $169K |
| Short-term disability | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 318 | $169K |
| Long-term disability | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 318 | $169K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 266 | $1.7M |
| Other(2 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 318 | $283K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 318 | — |
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.