| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 3390 UNIVERSITY AV, SUITE 300 RIVERSIDE, CA 92501 | GUARDIAN | $28K | $2K | $30K | 12.69% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R NELLIGAN & ASSOCIATES | 1060 BROADWAY, SUITE 400 ALBANY, NY 12204 | GUARDIAN | $10K | — | $10K | 4.20% |
| BENEFIT EDUCATORS LLC3 Filed as: BENEFIT EDUCATORS | 1954 SUNSET RIDGE RD GLENVIEW, IL 60025 | GUARDIAN | $5K | — | $5K | 2.01% |
| DAVID S JUSTICE3 | 55 SHUMAN BLVD, SUITE 600 NAPERVILLE, IL 60563 | METROPOLITAN LIFE INSURANCE COMPANY | $13K | — | $13K | 8.89% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL IOWA, LLC | 15162 COLLECTION CENTER DR CHICAGO, IL 606930151 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | — | $7K | 4.89% |
| PLANSOURCE BENEFITS ADMINISTRATION3 Filed as: PLANSOURCE BENEFITS ADMINISTRATIOIN | 101 S GARLAND AV, SUITE 203 ORLANDO, FL 328013277 | METROPOLITAN LIFE INSURANCE COMPANY | — | $709 | $709 | 0.47% |
| DAVID S JUSTICE3 | 55 SHUMAN BLVD, SUITE 600 NAPERVILLE, IL 60563 | PRINCIPAL LIFE INSURANCE COMPANY | $8K | — | $8K | — |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | DBA BENEFIT PARTNERS GROUP 1850 W WINCHESTER RD, SUITE 103 LIBERTYVILLE, IL 600485322 | PRINCIPAL LIFE INSURANCE COMPANY | $5K | $661 | $6K | — |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R NELLIGAN & ASSOCIATES | 2338 IMMOKALEE RD, SUITE 240 NAPLES, FL 34110 | EYEMED VISION CARE (ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO) | $2K | — | $2K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE CO EIN 59-1031071 CLAIMS ADMINISTRATION | Contract Administrator; Direct payment from the plan; Non-monetary compensation; Other services; Float revenue; Participant communication; Named fiduciary; Claims processing Service code 12 | — | $443K |
| CIGNA HELATH AND LIFE INSURANCE CO | Other services; Contract Administrator; Direct payment from the plan; Claims processing; Named fiduciary; Float revenue; Participant communication; Non-monetary compensation Service code 12 | — | $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 | 1,360 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,360 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 1,290 | $577K |
| Vision | EYEMED VISION CARE (ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO) | 883 | $0 |
| Life insurance(2 contracts, 2 carriers) | GUARDIAN | 1,036 | $388K |
| Long-term disability(2 contracts, 2 carriers) | GUARDIAN | 810 | $237K |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 1,290 | $577K |
| Other(3 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 1,290 | $964K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,290 | — |
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."
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.