| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS SERVICES INC | 6701 CENTER DR. W STE 1500 LOS ANGELES, CA 900451561 | RELIASTAR LIFE INSURANCE COMPANY | $27K | $66K | $93K | 9.92% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | EMPLOYEE BENEFITS DEPT 55 E JACKSON BLVD #14A CHICAGO, IL 60604 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $9K | $9K | 2.95% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R NELLIGAN & ASSOCIATES | 1933 STATE ROUTE 35 SUITE 368 WALL, NJ 07719 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $11K | — | $11K | 5.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | EMPLOYEE BENEFITS DEPT 55 E JACKSON BLVD #14A CHICAGO, IL 60604 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $6K | $6K | 2.67% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | EMPLOYEE BENEFITS DEPT 55 E JACKSON BLVD #14A CHICAGO, IL 60604 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $4K | $4K | 3.38% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | EMPLOYEE BENEFITS DEPT 55 E JACKSON BLVD #14A CHICAGO, IL 60604 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $10 | $2K | 4.22% |
| SMITH, THOMAS, CHRISTOPHER3 | PO BOX 40386 798 BERRY RD NASHVILLE, TN 37204 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $318 | — | $318 | 0.87% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | EMPLOYEE BENEFITS DEPT 55 E JACKSON BLVD #14A CHICAGO, IL 60604 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $2K | $4K | 20.99% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | EMPLOYEE BENEFITS DEPT 55 E JACKSON BLVD #14A CHICAGO, IL 60604 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $206 | $3K | 15.19% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 55 E JACKSON BLVD FL 14 CHICAGO, IL 806044466 | CONTINENTAL AMERICAN INSURANCE COMPANY | $820 | — | $820 | 4.25% |
| SCALETTA INSURANCE AGENCY INC3 | 15 N WINDSOR DR ARLINGTON HEIGHTS, IL 60004 | CONTINENTAL AMERICAN INSURANCE COMPANY | $453 | — | $453 | 2.35% |
| ROCKWELL & ASSOCIATES3 Filed as: ROCKWELL & ASSOCIATES LTD | 303 W ERIE SUITE 400 CHICAGO, IL 60654 | CONTINENTAL AMERICAN INSURANCE COMPANY | $415 | — | $415 | 2.15% |
| SARAH M CHIESA3 | 3900 N DAMEN APT 301 CHICAGO, IL 60618 | CONTINENTAL AMERICAN INSURANCE COMPANY | $187 | — | $187 | 0.97% |
| CAROLINE D MORNINGSTAR3 Filed as: CAROLINE R O'CONNOR | 2611 WEST AGATTITE AVENUE CHICAGO, IL 60625 | CONTINENTAL AMERICAN INSURANCE COMPANY | $153 | — | $153 | 0.79% |
| ROBERT J AURIN3 | 2737 N HAMPTON CT CHICAGO, IL 60614 | CONTINENTAL AMERICAN INSURANCE COMPANY | $140 | — | $140 | 0.73% |
| SCALETTA INSURANCE AGENCY INC3 Filed as: SCALETTA INSURANCE AGENCY INC. | 15 N WINDSOR DR ARLINGTON HEIGHTS, IL 60004 | CONTINENTAL AMERICAN INSURANCE COMPANY | $61 | — | $61 | 0.32% |
| VINCENT SCALETTA3 Filed as: VINCENT J SCALETTA | 15 N WINDSOR DR ARLINGTON HEIGHTS, IL 60004 | CONTINENTAL AMERICAN INSURANCE COMPANY | $55 | — | $55 | 0.28% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R NELLIGAN & ASSOCIATES | 1933 STATE ROUTE 35 SUITE 368 WALL, NJ 07719 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $261 | — | $261 | 5.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | EMPLOYEE BENEFITS DEPT 55 E JACKSON BLVD #14A CHICAGO, IL 60604 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $261 | $261 | 5.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUECROSS BLUESHIELD OF IL EIN 36-1236610 ADMINISTRATIVE SERVICES | Contract Administrator; Claims processing Service code 12 | — | $486K |
| UNUM LIFE INSURANCE CO OF AMERICA EIN 01-0278678 N/A | Contract Administrator Service code 13 | — | $21K |
| EMPLOYEE BENEFITS CORPORATION EIN 39-2044064 NONE | Contract Administrator; Claims processing Service code 12 | — | $14K |
| RXBENEFITS, INC. EIN 63-1157085 CLAIMS PROCESSING | Contract Administrator; Claims processing Service code 12 | — | $9K |
| HUB INTERNATIONAL MIDWEST LTD BROKER | Insurance agents and brokers Service code 22 | 55 E JACKSON BLVD CHICAGO, IL 60604 | $0 |
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 | 732 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 14 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 746 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 602 | $97K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 732 | $108K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 14 | $5K |
| Stop-loss / reinsurancereinsurance | RELIASTAR LIFE INSURANCE COMPANY | 713 | $940K |
| Other(8 contracts, 5 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,220 | $741K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,220 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.