| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | EMPLOYEE BENEFITS DEPARTMENT 55 E JACKSON BLVD #14A CHICAGO, IL 60604 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $119K | $39K | $158K | 10.66% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | EMPLOYEE BENEFITS DEPARTMENT 55 E JACKSON BLVD #14A CHICAGO, IL 60604 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $174K | $33K | $206K | 16.87% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 155 NORTH WACKER DRIVE SUITE 1500 CHICAGO, IL 60606 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $12K | $0 | $12K | 4.78% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP OF ILLINOIS, LLC | 1 SOUTH WACKER DRIVE #3350 CHICAGO, IL 60606 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $8K | $0 | $8K | 3.21% |
| GARY WELTMANN3 Filed as: GARY F WELTMAN | PO BOX 59816 POTOMAC, MD 208599816 | METROPOLITAN LIFE INSURANCE COMPANY | $26K | $24K | $51K | 31.91% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 55 E JACKSON BLVD FL 14 CHICAGO, IL 606044466 | METROPOLITAN LIFE INSURANCE COMPANY | $19K | — | $19K | 12.01% |
| PROFESSIONAL LAW INS ADVISORS LLC3 | PO BOX 59816 POTOMAC, MD 208599816 | METROPOLITAN LIFE INSURANCE COMPANY | $81 | — | $81 | 0.05% |
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 | 1,664 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 77 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,741 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 21 | $258K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 21 | $258K |
| Vision | EYEMED | 2,369 | $204K |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,665 | $1.5M |
| Long-term disability(3 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,654 | $1.8M |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 21 | $258K |
| Other(4 contracts, 4 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,665 | $1.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,369 | — |
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.