| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 55 EAST JACKSON BLVD FL 14 CHICAGO, IL 60604 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $45 | $5K | 11.75% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N. KIRKWOOD RD, STE 300 KIRKWOOD, MO 63122 | METROPOLITAN LIFE INSURANCE COMPANY | $928 | $186 | $1K | 2.59% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 | 2338 IMMOKALEE RD, STE 240 NAPLES, FL 34110 | METROPOLITAN LIFE INSURANCE COMPANY | $777 | — | $777 | 1.81% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 16253 COLLECTION CENTER DR FL 4 CHICAGO, IL 60693 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $519 | $519 | 1.21% |
| MICHAEL AHLERT3 | 4049 GRAND AVENUE WESTERN SPRINGS, IL 60558 | TRUSTMARK LIFE INSURANCE | $405 | — | $405 | 5.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 55 E. JACKSON BLVD FL 14 CHICAGO, IL 60604 | VISION SERVICE PLAN | $754 | — | $754 | 13.81% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 1411 OPUS PLACE, STE 450 DOWNERS GROVE, IL 60515 | VISION SERVICE PLAN | $226 | — | $226 | 4.14% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HUB INTERNATIONAL EIN 35-0672425 NONE | Consulting (general); Insurance agents and brokers Service code 16 | 55 EAST JACKSON BLVD CHICAGO, IL 60604 | $7K |
| TIC INTERNATIONAL, INC. NONE | Plan Administrator Service code 14 | 11590 N. MERIDIAN ST, STE 600 CARMEL, IN 46032 | $7K |
| MCM CPAS & ADVISORS LLP EIN 27-1235638 NONE | Accounting (including auditing) Service code 10 | 462 SOUTH FOURTH STREET STE 2600 LOUISVILLE, KY 40202 | $4K |
| ALLIED BENEFIT SYSTEMS, INC. EIN 36-3086057 NONE | Claims processing Service code 12 | 200 WEST ADAMS STREET STE 500 CHICAGO, IL 60606 | $3K |
| CHEIRON EIN 13-4215617 NONE | Actuarial Service code 11 | 230 WEST MONROE STREET SUITE 2150 CHICAGO, IL 60606 | $3K |
| URDA PROFESSIONAL CORPORATION EIN 35-1755675 NONE | Legal Service code 29 | 112 WEST JEFFERSON BLVD 503 SOUTH BEND, IN 46601 | $2K |
| 1ST SOURCE NONE | Plan Administrator; Claims processing; Other services Service code 12 | P.O. BOX 1602 SOUTH BEND, IN 46634 | $151 |
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 | 38 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 12 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 50 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 147 | $43K |
| Vision | VISION SERVICE PLAN | 23 | $5K |
| Life insurance | TRUSTMARK LIFE INSURANCE | 64 | $8K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 147 | $43K |
| Other | TRUSTMARK LIFE INSURANCE | 64 | $8K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 147 | — |
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.