| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 55 E. JACKSON BLVD CHICAGO, IL 606044466 | METROPOLITIAN LIFE INSURANCE COMPANY | $269K | $76K | $345K | 7.82% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 55 E. JACKSON BLVD CHICAGO, IL 606044466 | METROPOLITAN LIFE INSURANCE COMPANY | $38K | $62K | $100K | 3.20% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 55 E. JACKSON BLVD CHICAGO, IL 606044466 | THE LINCOLN NATIONAL INSURANCE COMPANY | $9K | $480 | $9K | 15.85% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 55 E. JACKSON BLVD CHICAGO, IL 606044466 | FEDERAL INSURANCE COMPANY | $4K | — | $4K | 15.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 55 E. JACKSON BLVD CHICAGO, IL 606044466 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 15.00% |
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 | 2,774 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1,427 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Beneficiaries receiving benefits | 4 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 4,201 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 7,985 | $3.1M |
| Vision | VSP | 5,282 | $346K |
| Life insurance | METROPOLITIAN LIFE INSURANCE COMPANY | 8,810 | $4.4M |
| Short-term disability | METROPOLITIAN LIFE INSURANCE COMPANY | 8,810 | $4.4M |
| Long-term disability(3 contracts, 3 carriers) | METROPOLITIAN LIFE INSURANCE COMPANY | 8,810 | $4.5M |
| Other(2 contracts, 2 carriers) | METROPOLITIAN LIFE INSURANCE COMPANY | 8,810 | $4.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 8,810 | — |
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.