| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 | 55 E JACKSON BLVD CHICAGO, IL 606049300 | METROPOLITAN LIFE INSURANCE COMPANY | — | $79 | $79 | 0.01% |
| THE HORTON GROUP3 Filed as: HORTON GROUP INC | 10320 ORLAND PKWY ORLAND PARK, IL 604675658 | METROPOLITAN LIFE INSURANCE COMPANY | — | $3 | $3 | 0.00% |
| THE HORTON GROUP3 Filed as: HORTON GROUP INC | 10320 ORLAND PKWY ORLAND PARK, IL 604675658 | METROPOLITAN LIFE INSURANCE COMPANY | $27K | $84 | $27K | 20.29% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 55 E JACKSON BLVD CHICAGO, IL 60604 | METROPOLITAN LIFE INSURANCE COMPANY | $16K | — | $16K | 11.58% |
| N-GAGE LLC3 | 1999 PINCREST RD SUAMICO, WI 543137653 | METROPOLITAN LIFE INSURANCE COMPANY | $14K | — | $14K | 10.78% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 16253 COLLECTION CENTER DR 40 W MADISON 4TH FL BANK OF AMAERIC CHICAGO, IL 606930162 | METROPOLITAN LIFE INSURANCE COMPANY | $755 | — | $755 | 0.56% |
| THE HORTON GROUP3 Filed as: HORTON GROUP INC | 10320 ORLAND PKWY ORLAND PARK, IL 60467 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | $84 | $7K | 7.10% |
| N-GAGE LLC3 | 1999 PINECREST RD SUAMICO, WI 543137653 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | — | $5K | 5.70% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 55 E JACKSON BLVD CHICAGO, IL 606044466 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | — | $4K | 4.13% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 16253 COLLECTION CENTER DR 40 W MADISON 4TH FL BANK OF AMERICA CHICAGO, IL 606930162 | METROPOLITAN LIFE INSURANCE COMPANY | $537 | — | $537 | 0.58% |
| THE HORTON GROUP3 Filed as: HORTON GROUP INC | 10320 ORLAND PKWY ORLAND PARK, IL 60467 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | $84 | $8K | 9.78% |
| N-GAGE LLC3 | 1999 PINECREST RD SUAMICO, WI 543137653 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | — | $5K | 6.79% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 55 E JACKSON BLVD CHICAGO, IL 60604 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | — | $5K | 6.49% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 16253 COLLECTION CENTER DR 40 W MADISON 4TH FL BANK OF AMERICA CHICAGO, IL 606930162 | METROPOLITAN LIFE INSURANCE COMPANY | $557 | — | $557 | 0.70% |
| N-GAGE LLC3 | 1999 PINECREST RD SUAMICO, WI 543137653 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | — | $5K | 19.55% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 55 E JACKSON BLVD CHICAGO, IL 606044466 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $47 | $4K | 14.98% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 16253 COLLECTION CENTER DR 40 W MADISON 4TH FL BANK OF AMERICA CHICAGO, IL 606930162 | METROPOLITAN LIFE INSURANCE COMPANY | $246 | — | $246 | 0.93% |
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 | 671 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 3 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 679 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 1,595 | $791K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 1,595 | $791K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 1,595 | $791K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 1,595 | $791K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 1,595 | $791K |
| Other(5 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 1,595 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,595 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.