| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 | 55 E JACKSON BLVD CHICAGO, IL 60604 | BLUECROSS BLUESHIELD OF ILLINOIS | $53K | $5K | $57K | 1.63% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES R NELLIGAN & ASSOC LLC | 1060 BROADWAY SUITE 400 ALBANY, NY 12204 | STANDARD INSURANCE COMPANY | $8K | — | $8K | 4.60% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NE LIMITED | 1065 AVE OF THE AMERICAS NEW YORK, NY 10018 | STANDARD INSURANCE COMPANY | $5K | — | $5K | 3.13% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES R NELLIGAN & ASSOC LLC | 1060 BROADWAY SUITE 400 ALBANY, NY 12204 | STANDARD INSURANCE COMPANY | $5K | — | $5K | 2.80% |
| NEW ENGLAND EMPLOYEE BENEFITS CO3 Filed as: EASTER SEALS METROPOLITAN CHICAGO | ATTN ACCOUNTS RECEIVABLE 1939 W 13TH ST STE 300 CHICAGO, IL 60608 | STANDARD INSURANCE COMPANY | — | $3K | $3K | 1.81% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 55 EAST JACKSON BLVD 14TH FLOOR CHICAGO, IL 60604 | ZURICH AMERICAN LIFE INSURANCE COMPANY | $10K | — | $10K | 7.17% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INSURANCE INC | P.O. BOX 2158 RIVERSIDE, CA 92516 | HEALTHIEST YOU | $6K | — | $6K | 15.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 55 E JACKSON BLVD FL 14 CHICAGO, IL 606044466 | VISION SERVICE PLAN | $1K | — | $1K | 4.68% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 55 E JACKSON BLVD FLOOR 14B CHICAGO, IL 60604 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | — | $3K | 24.77% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R NELLIGAN ASSOCIATES, LLC | 1800 RT 34 BUILDING 4 SUITE 404A WALL TOWNSHIP, NJ 07719 | CONTINENTAL AMERICAN INSURANCE COMPANY | $562 | — | $562 | 4.99% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES R NELLIGAN & ASSOC LLC | 1060 BROADWAY SUITE 400 ALBANY, NY 12204 | STANDARD INSURANCE COMPANY | $727 | — | $727 | 6.74% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES R NELLIGAN & ASSOC LLC | 1060 BROADWAY SUITE 400 ALBANY, NY 12204 | STANDARD INSURANCE COMPANY | $497 | — | $497 | 4.60% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NE LIMITED | 1065 AVE OF THE AMERICAS NEW YORK, NY 10018 | STANDARD INSURANCE COMPANY | $336 | — | $336 | 3.11% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| EMPLOYEE BENEFITS CORPORATION EIN 39-2044064 CONTRACT ADMINISTRATOR | Contract Administrator; Claims processing Service code 12 | — | $9K |
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 | 502 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 502 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF ILLINOIS | 504 | $3.5M |
| Dental | STANDARD INSURANCE COMPANY | 391 | $166K |
| Vision(2 contracts, 2 carriers) | VISION SERVICE PLAN | 391 | $40K |
| Life insurance | ZURICH AMERICAN LIFE INSURANCE COMPANY | 502 | $146K |
| Short-term disability | ZURICH AMERICAN LIFE INSURANCE COMPANY | 502 | $146K |
| Long-term disability | ZURICH AMERICAN LIFE INSURANCE COMPANY | 502 | $146K |
| Other | CONTINENTAL AMERICAN INSURANCE COMPANY | 98 | $11K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 504 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.