| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 | 55 E JACKSON BLVD CHICAGO, IL 60604 | BLUECROSS BLUESHIELD OF ILLINOIS | $68K | $4K | $72K | 1.59% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 55 EAST JACKSON BLVD 14TH FLOOR CHICAGO, IL 60604 | ZURICH AMERICAN LIFE INSURANCE COMPANY | $9K | $9K | $19K | 8.53% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES R NELLIGAN & ASSOC LLC | 1933 STATE ROUTE 35 STE 368 WALL, NJ 07719 | STANDARD INSURANCE COMPANY | $10K | — | $10K | 4.88% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NE LIMITED | 3510 N CAUSEWAY BLVD STE 300 METAIRE, LA 70002 | STANDARD INSURANCE COMPANY | — | $4K | $4K | 2.01% |
| 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 | $2K | — | $2K | 4.21% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | OPERATING WEST ACCOUNT PO BOX 2158 RIVERSIDE, CA 92516 | METLIFE LEGAL PLANS | $2K | $92 | $2K | 10.49% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 55 E JACKSON BLVD FLOOR 14 CHICAGO, IL 60604 | METLIFE LEGAL PLANS | — | $191 | $191 | 1.03% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 55 EAST JACKSON BLVD CHICAGO, IL 60604 | METLIFE LEGAL PLANS | -$119 | — | -$119 | -0.64% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES R NELLIGAN & ASSOC LLC | 1933 STATE ROUTE 35 STE 368 WALL, NJ 07719 | STANDARD INSURANCE COMPANY | $751 | — | $751 | 4.85% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NE LIMITED | 3510 N CAUSEWAY BLVD STE 300 METAIRIE, LA 70002 | STANDARD INSURANCE COMPANY | — | $309 | $309 | 2.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 55 E JACKSON BLVD FLOOR 14B CHICAGO, IL 60604 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5K | — | $5K | 164.46% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R NELLIGAN ASSOCIATES, LLC | 1933 STATE ROUTE 35 WALL TOWNSHIP, NJ 077193502 | CONTINENTAL AMERICAN INSURANCE COMPANY | $465 | — | $465 | 14.78% |
| 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 | 552 | 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) | 552 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF ILLINOIS | 728 | $4.6M |
| Dental | STANDARD INSURANCE COMPANY | 459 | $212K |
| Vision(2 contracts, 2 carriers) | VISION SERVICE PLAN | 459 | $53K |
| Life insurance | ZURICH AMERICAN LIFE INSURANCE COMPANY | 552 | $220K |
| Short-term disability | ZURICH AMERICAN LIFE INSURANCE COMPANY | 552 | $220K |
| Long-term disability | ZURICH AMERICAN LIFE INSURANCE COMPANY | 552 | $220K |
| Other(2 contracts, 2 carriers) | METLIFE LEGAL PLANS | 158 | $22K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 728 | — |
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.