| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JAMES R NELLIGAN & ASSOCIATES LLC3 | 1933 STATE ROUTE 35 STE 368 WALL, NJ 077193502 | METROPOLITAN LIFE INSURANCE COMPANY | $74K | $44K | $118K | 3.18% |
| MEYERS GLAROS GROUP LLC3 Filed as: MEYERS GLAROS LLC | 8605 BROADWAY MERRILLVILLE, IN 464107033 | METROPOLITAN LIFE INSURANCE COMPANY | $46K | $51K | $97K | 2.61% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 8605 BROADWAY STE A MERRILLVILLE, IN 464107033 | METROPOLITAN LIFE INSURANCE COMPANY | $65K | $44 | $65K | 1.75% |
| 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 | — | $22K | $22K | 0.58% |
| MATRIX INSURANCE AGENCY3 Filed as: THE MATRIX GROUP INC | 10319 DAWSONS CREEK BLVD, STE D FORT WAYNE, IN 46825 | UNUM INSURANCE COMPANY | $56K | — | $56K | 9.53% |
| BOUDREAUX, BEAU, DAVID0 Filed as: BOUDREAUX, BEAU D | 120 GILLS CRK PKWY COLUMBIA, SC 29209 | UNUM INSURANCE COMPANY | -$19 | — | -$19 | -0.00% |
| WORKPLACE SOLUTIONS, INC.0 | 120-A GILLS CREEK PKWY COLUMBIA, SC 29209 | UNUM INSURANCE COMPANY | -$251 | -$31 | -$282 | -0.05% |
| MEYERS GLAROS GROUP LLC3 Filed as: MEYERS GLAROS GROUP | 8605 BROADWAY MERRILLVILLE, IN 46410 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $9K | — | $9K | 1.84% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 8605 BROADWAY, STE A MERRILLVILLE, IN 46410 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $6K | — | $6K | 1.38% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LIMITEDNE | PO BOX 2158 RIVERSIDE, CA 92516 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $5K | — | $5K | 1.15% |
| NELLIGAN3 Filed as: NELLIGAN & ASSOCIATES | 1933 STATE ROUTE 35 SUITE 368 WAIL, NJ 07719 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $4K | — | $4K | 0.85% |
| MATRIX INSURANCE AGENCY3 Filed as: THE MATRIX GROUP INC | 10319 DAWSONS CREEK BLVD, STE D FORT WAYNE, IN 46825 | UNUM INSURANCE COMPANY | $29K | — | $29K | 11.04% |
| WORKPLACE SOLUTIONS, INC.0 | 120-A GILLS CREEK PKWY COLUMBIA, SC 29209 | UNUM INSURANCE COMPANY | $53 | $15 | $68 | 0.03% |
| BOUDREAUX, BEAU, DAVID0 Filed as: BOUDREAUX, BEAU D | 120 GILLS CRK PKWY COLUMBIA, SC 29209 | UNUM INSURANCE COMPANY | $4 | — | $4 | 0.00% |
| MATRIX INSURANCE AGENCY3 Filed as: THE MATRIX GROUP INC | 10319 DAWSONS CREEK BLVD STE D FORT WAYNE, IN 46825 | UNUM INSURANCE COMPANY | $30K | — | $30K | 14.25% |
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 | 4,604 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 17 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 4,621 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 8,906 | $3.7M |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 8,550 | $465K |
| Short-term disability | UNUM INSURANCE COMPANY | 1,355 | $262K |
| Other(2 contracts) | UNUM INSURANCE COMPANY | 1,232 | $793K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 8,906 | — |
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.