| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 | 55 E JACKSON BLVD. CHICAGO, IL 60604 | BLUECROSS BLUESHIELD OF ILLINOIS | $36K | $2K | $38K | 4.50% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 55 E JACKSON BLVD. FLOOR 12 CHICAGO, IL 60604 | NATIONWIDE | $25K | — | $25K | 8.42% |
| FRINGE INSURANCE BENEFITS, INC.3 | 11910 ANDERSON MILL ROAD AUSTIN, TX 78726 | NATIONWIDE | $6K | — | $6K | 1.87% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 55 E JACKSON BLVD. FLOOR 12 CHICAGO, IL 60604 | AMERITAS | $10K | — | $10K | 10.00% |
| FRINGE INSURANCE BENEFITS, INC.3 | 11910 ANDERSON MILL ROAD AUSTIN, TX 78726 | AMERITAS | $6K | — | $6K | 5.50% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 55 E JACKSON BLVD CHICAGO, IL 60604 | EYEMED VISION CARE | $678 | — | $678 | 9.38% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 15162 COLLECTIONS CENTER DR. CHICAGO, IL 60693 | EYEMED VISION CARE | $62 | — | $62 | 0.86% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 9200 WARD PKWY STE 500 KANSAS CITY, MO 64114 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $965 | — | $965 | 15.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 625 KENMOOR AVE SE STE 200 GRAND RAPIDS, MI 49546 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $564 | $564 | 8.77% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R NELLIGAN AND ASSOCIATES LLC | 1800 RTE 34 BLDG4 WALL TOWNSHIP, NJ 07719 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $219 | $219 | 3.40% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 9200 WARD PKWY STE 500 KANSAS CITY, MO 64114 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $791 | — | $791 | 14.99% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 625 KENMOOR AVE SE STE 200 GRAND RAPIDS, MI 49546 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $628 | $628 | 11.90% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R NELLIGAN AND ASSOCIATES LLC | 1800 RTE 34 BLDG 4 WALL TOWNSHIP, NJ 07719 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $195 | $195 | 3.70% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 9200 WARD PKWY STE 500 KANSAS CITY, MO 64114 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $383 | — | $383 | 9.99% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 625 KENMOOR AVE SE STE 200 GRANDS RAPIDS, MI 49546 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $283 | $283 | 7.38% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R NELLIGAN AND ASSOCIATES LLC | 1800 RTE 34 BLDG 4 WALL TOWNSHIP, NJ 07719 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $133 | $133 | 3.47% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 9200 WARD PKWY STE 500 KANSAS CITY, MO 64114 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $378 | — | $378 | 10.01% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 625 KENMOORE AVE SE STE 200 GRAND RAPIDS, MI 49546 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $373 | $373 | 9.88% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R NELLIGAN AND ASSOCIATES LLC | 1800 RTE 34 BLDG 4 WALL TOWNSHIP, NJ 07719 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $127 | $127 | 3.36% |
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 | 282 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 282 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF ILLINOIS | 400 | $1.2M |
| Dental(2 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF ILLINOIS | 404 | $957K |
| Vision(2 contracts, 2 carriers) | AMERITAS | 404 | $108K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 89 | $9K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 12 | $4K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 12 | $6K |
| Other(3 contracts, 2 carriers) | NATIONWIDE | 400 | $307K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 404 | — |
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.