| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 | 55 E JACKSON BLVD. CHICAGO, IL 60604 | BLUECROSS BLUESHIELD OF ILLINOIS | $42K | $5K | $47K | 4.72% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 1560 ORANGE AVE, STE 750 WINTER PARK, FL 32789 | NATIONWIDE | $25K | — | $25K | 8.48% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 1560 ORANGE AVE, STE 750 WINTER PARK, FL 32789 | AMERITAS | $10K | — | $10K | 10.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 15162 COLLECTION CENTER DR CHICAGO, IL 60693 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $904 | — | $904 | 10.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 15162 COLLECTION CENTER DR CHICAGO, IL 60693 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $471 | $471 | 5.21% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R NELLIGAN AND ASSOCIATES LLC | 1933 STATE ROUTE 35 STE 368 WALL TOWNSHIP, NJ 077193502 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $452 | $452 | 5.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 15162 COLLECTION CENTER DR CHICAGO, IL 60693 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 15.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 15162 COLLECTION CENTER DR CHICAGO, IL 60693 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $540 | $540 | 6.18% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R NELLIGAN AND ASSOCIATES LLC | 1933 STATE ROUTE 35 STE 368 WALL TOWNSHIP, NJ 077193502 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $437 | $437 | 5.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 15162 COLLECTION CENTER DR CHICAGO, IL 60693 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 15.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 15162 COLLECTION CENTER DR CHICAGO, IL 60693 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $444 | $444 | 5.31% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R NELLIGAN AND ASSOCIATES LLC | 1933 STATE ROUTE 35 STE 368 WALL TOWNSHIP, NJ 077193502 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $418 | $418 | 5.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 15162 COLLECTION CENTER DR CHICAGO, IL 60693 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $819 | — | $819 | 10.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 15162 COLLECTION CENTER DR CHICAGO, IL 60693 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $475 | $475 | 5.80% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R NELLIGAN AND ASSOCIATES LLC | 1933 STATE ROUTE 35 STE 368 WALL TOWNSHIP, NJ 077193502 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $410 | $410 | 5.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | HUB INTERNATIONAL MIDWEST LIMITED E RIVERSIDE, CA 925162158 | EYEMED VISION CARE | $379 | — | $379 | 5.05% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | HUB INTERNATIONAL MIDWEST LIMITED OPERATION WEST ACCOUNT RIVERSIDE, CA 92516 | EYEMED VISION CARE | $366 | — | $366 | 4.88% |
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 | 224 | 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) | 224 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF ILLINOIS | 298 | $1.3M |
| Dental(2 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF ILLINOIS | 325 | $1.1M |
| Vision(2 contracts, 2 carriers) | AMERITAS | 325 | $106K |
| Life insurance(2 contracts, 2 carriers) | NATIONWIDE | 298 | $308K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 30 | $9K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 15 | $9K |
| Other(3 contracts, 2 carriers) | NATIONWIDE | 298 | $316K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 325 | — |
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.