| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 55 EAST JACKSON BLVD, 14TH FLOOR CHICAGO, IL 60604 | BLUECROSS BLUESHIELD OF ILLINOIS | $103K | $4K | $107K | 3.97% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | PO BOX 2158 RIVERSIDE, CA 92516 | PRINCIPAL LIFE INSURANCE COMPANY | $12K | — | $12K | 5.35% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL LIMITED | 150 N RIVERSIDE PLZ STE 1700 CHICAGO, IL 606061572 | PRINCIPAL LIFE INSURANCE COMPANY | — | $7K | $7K | 2.84% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 | 1933 STATE ROUTE 35, SUITE 368 WALL, NJ 077193502 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | — | $8K | 5.01% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 55 E JACKSON BLVD CHICAGO, IL 606044466 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $47 | $5K | 2.84% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 16253 COLLECTION CENTER DR 40 W MADISON 4TH FLOOR CHICAGO, IL 606930162 | METROPOLITAN LIFE INSURANCE COMPANY | — | $3K | $3K | 1.76% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 | 1933 STATE ROUTE 35, SUITE 368 WALL, NJ 077193502 | METROPOLITAN LIFE INSURANCE COMPANY | — | $958 | $958 | 0.60% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 55 E JACKSON BLVD FL 14 CHICAGO, IL 606044466 | VISION SERVICE PLAN | $1K | — | $1K | 5.61% |
No Schedule C service providers reported on this filing.
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 | 156 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 159 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ILLINOIS | 309 | $2.7M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 417 | $158K |
| Vision | VISION SERVICE PLAN | 129 | $19K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 150 | $230K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 150 | $230K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 150 | $230K |
| Prescription drug | BLUECROSS BLUESHIELD OF ILLINOIS | 309 | $2.7M |
| Other | HARTFORD LIFE AND ACCIDENT | 79 | $0 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 417 | — |
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.