| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 | 55 E JACKSON BLVD. CHICAGO, IL 60604 | BLUECROSS BLUESHIELD OF ILLINOIS | $39K | $2K | $41K | 4.59% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 55 E JACKSON BLVD. FLOOR 12 CHICAGO, IL 60604 | NATIONWIDE | $27K | — | $27K | 8.46% |
| FRINGE INSURANCE BENEFITS, INC.3 | 11910 ANDERSON MILL ROAD AUSTIN, TX 78726 | NATIONWIDE | $12K | — | $12K | 3.89% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 55 E JACKSON BLVD. FLOOR 12 CHICAGO, IL 60604 | AMERITAS | $11K | — | $11K | 10.00% |
| FRINGE INSURANCE BENEFITS, INC.3 | 11910 ANDERSON MILL ROAD AUSTIN, TX 78726 | AMERITAS | $6K | — | $6K | 5.50% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 9200 WARD PKWY STE 500 KANSAS CITY, MO 64114 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $304 | $386 | $690 | 11.41% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 15162 COLLECTION CENTER DR CHICAGO, IL 60693 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $603 | — | $603 | 9.97% |
| 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 | — | $302 | $302 | 5.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 9200 WARD PKWY STE 500 KANSAS CITY, MO 64114 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $162 | $230 | $392 | 7.29% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 15162 COLLECTION CENTER DR CHICAGO, IL 60693 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $375 | — | $375 | 6.97% |
| 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 | — | $269 | $269 | 5.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 9200 WARD PKWY STE 500 KANSAS CITY, MO 64114 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $272 | $317 | $589 | 10.97% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 15162 COLLECTION CENTER DR CHICAGO, IL 60693 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $534 | — | $534 | 9.94% |
| 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 | — | $268 | $268 | 4.99% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 55 E JACKSON BLVD CHICAGO, IL 60604 | EYEMED VISION CARE | $610 | — | $610 | 11.73% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 9200 WARD PKWY STE 500 KANSAS CITY, MO 64114 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $97 | $227 | $324 | 11.42% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 15162 COLLECTION CENTER DR CHICAGO, IL 60693 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $187 | — | $187 | 6.59% |
| 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 | — | $142 | $142 | 5.01% |
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 | 329 | 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) | 329 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF ILLINOIS | 433 | $1.2M |
| Dental(2 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF ILLINOIS | 455 | $1.0M |
| Vision(2 contracts, 2 carriers) | AMERITAS | 455 | $113K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 171 | $11K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 10 | $3K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 10 | $6K |
| Other(3 contracts, 2 carriers) | NATIONWIDE | 433 | $328K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 455 | — |
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.