| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 | 55 E JACKSON BLVD CHICAGO, IL 60604 | BLUECROSS BLUESHIELD OF ILLINOIS | $61K | $5K | $66K | 1.25% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES R NELLIGAN & ASSOC LLC | 1933 STATE ROUTE 35 STE 368 WALL, NJ 07719 | STANDARD INSURANCE COMPANY | $13K | — | $13K | 4.93% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 125 S WACKER DR STE 300 CHICAGO, IL 60606 | STANDARD INSURANCE COMPANY | — | $67 | $67 | 0.03% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R NELLIGAN & ASSOCIATES | 1933 STATE ROUTE 35 SUIITE 368 WALL, NJ 07719 | ZURICH AMERICAN LIFE INSURANCE COMPANY | $11K | — | $11K | 5.00% |
| 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 | 4.40% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INSURANCE SERVICE | 2000 S COLORADO BLVD TOWER 2 STE 150 DENVER, CO 80222 | ZURICH AMERICAN LIFE INSURANCE COMPANY | — | $7K | $7K | 2.92% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R NELLIGAN ASSOCIATES, LLC | 1800 RT 34 BUILDING 4 SUITE 404A WALL TOWNSHIP, NJ 077193502 | CONTINENTAL AMERICAN INSURANCE COMPANY | $8K | — | $8K | 18.04% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 55 E JACKSON BLVD FLOOR 14B CHICAGO, IL 60604 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5K | — | $5K | 10.03% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INSURANCE INC | P.O. BOX 2158 RIVERSIDE, CA 92516 | HEALTHIEST YOU | $7K | — | $7K | 15.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | PO BOX 2158 RIVERSIDE, CA 92516 | VISION SERVICE PLAN | $2K | — | $2K | 3.81% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | OPERATING WEST ACCOUNT PO BOX 2158 RIVERSIDE, CA 92516 | METLIFE LEGAL PLANS | $2K | — | $2K | 10.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 55 E JACKSON BLVD FLOOR 14 CHICAGO, IL 60604 | METLIFE LEGAL PLANS | — | $108 | $108 | 0.50% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | HUB INTERNATIONAL GULF SOUTH PO BOX 6650 METAIRIE, LA 70009 | METLIFE LEGAL PLANS | — | $53 | $53 | 0.25% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | OPERATION WEST ACCOUNT PO BOX 2158 RIVERSIDE, CA 92516 | METLIFE LEGAL PLANS | — | $45 | $45 | 0.21% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 55 EAST JACKSON BLVD CHICAGO, IL 60604 | METLIFE LEGAL PLANS | — | $17 | $17 | 0.08% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES R NELLIGAN & ASSOC LLC | 1933 STATE ROUTE 35 STE 368 WALL, NJ 07719 | STANDARD INSURANCE COMPANY | $854 | — | $854 | 5.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 125 S WACKER DR STE 300 CHICAGO, IL 60606 | STANDARD INSURANCE COMPANY | — | $3 | $3 | 0.02% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BESTFLEX PLAN EIN 39-2044064 CONTRACT ADMINISTRATOR | Contract Administrator; Claims processing Service code 12 | — | $6K |
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 | 583 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 589 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF ILLINOIS | 780 | $5.3M |
| Dental | STANDARD INSURANCE COMPANY | 489 | $259K |
| Vision(2 contracts, 2 carriers) | VISION SERVICE PLAN | 489 | $59K |
| Life insurance | ZURICH AMERICAN LIFE INSURANCE COMPANY | 590 | $228K |
| Short-term disability | ZURICH AMERICAN LIFE INSURANCE COMPANY | 590 | $228K |
| Long-term disability | ZURICH AMERICAN LIFE INSURANCE COMPANY | 590 | $228K |
| Other(3 contracts, 3 carriers) | ZURICH AMERICAN LIFE INSURANCE COMPANY | 590 | $297K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 780 | — |
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.