| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 | 203 N LA SALLE STREET FLOOR 20 CHICAGO, IL 60601 | UNITEDHEALTHCARE INSURANCE COMPANY | $72K | — | $72K | 5.74% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | PO BOX 2158 RIVERSIDE, CA 92506 | UNITEDHEALTHCARE INSURANCE COMPANY | $15K | — | $15K | 15.13% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R. NELLIGAN & ASSOCIATES, LLC | 2338 IMMOKALEE ROAD SUITE 240 NAPLES, FL 34110 | UNITEDHEALTHCARE INSURANCE COMPANY | $5K | — | $5K | 4.58% |
| HUB INTERNATIONAL MIDWEST LIMITED | PO BOX 2158 RIVERSIDE, CA 92516 | VISION SERVICE PLAN | $791 | — | $791 | 7.11% |
| HUB INTERNATIONAL MIDWEST LIMITED | 1411 OPUS PLACE SUITE 450 DOWNERS GROVE, IL 60515 | VISION SERVICE PLAN | $335 | — | $335 | 3.01% |
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 | 118 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 118 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 210 | $1.2M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 210 | $1.2M |
| Vision | VISION SERVICE PLAN | 90 | $11K |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 120 | $101K |
| Short-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 120 | $101K |
| Long-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 120 | $101K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 210 | $1.2M |
| Other(2 contracts) | UNITEDHEALTHCARE INSURANCE COMPANY | 210 | $1.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 210 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.