| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SIDBERRY, LERONE3 | 55 EAST JACKSON BLVD CHICAGO, IA 60604 | PRIORITY HEALTH INSURANCE COMPANY | $28K | — | $28K | 4.00% |
| SIDBERRY, LERONE3 | 55 EAST JACKSON BLVD CHICAGO, IL 60604 | PRIORITY HEALTH | $7K | — | $7K | 3.64% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 55 E JACKSON BLVD FL 14 CHICAGO, IL 606044466 | METROPOLITAN LIFE INSURANCE COMPANY | $16K | $59 | $16K | 13.92% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 | 1060 BROADWAY STE 400 ALBANY, NY 122042507 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $16 | $5K | 4.60% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 16253 COLLECTION CENTER DR 40 W MADISON 4TH FL BANK OF AMERICA CHICAGO, IL 606930162 | METROPOLITAN LIFE INSURANCE COMPANY | — | $1K | $1K | 1.24% |
| JOE FERNANDEZ3 | 4537 SALERNO CIRCLE PLANO, TX 75093 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $14K | $1K | $15K | 31.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 3390 UNIVERSITY AVE, SUITE 300 RIVERSIDE, CA 92501 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 7.50% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 1560 ORANGE AVE, STE 750 WINTER PARK, FL 32789 | NATIONWIDE | $2K | — | $2K | 13.52% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 1560 ORANGE AVE, STE 750 WINTER PARK, FL 32789 | CRUM & FORSTER | $46 | — | $46 | 14.94% |
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 | 267 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 270 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | PRIORITY HEALTH INSURANCE COMPANY | 100 | $920K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 258 | $117K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 258 | $117K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 258 | $117K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 258 | $117K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 258 | $117K |
| Stop-loss / reinsurancereinsurance | NATIONWIDE | 13 | $12K |
| Other(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 258 | $167K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 258 | — |
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.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.