| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 55 E JACKSON BLVD FL 14 CHICAGO, IL 606044466 | METROPOLITAN LIFE INSURANCE COMPANY | $22K | $59 | $22K | 14.98% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 | 1060 BROADWAY SUITE 400 ALBANY, NY 12204 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | $16 | $8K | 5.28% |
| 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 | — | $2K | $2K | 1.60% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD RD STE 300 KIRKWOOD, MO 631224042 | METROPOLITAN LIFE INSURANCE COMPANY | $421 | $214 | $635 | 0.43% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 | 1060 BROADWAY SUITE 400 ALBANY, NY 12204 | METROPOLITAN LIFE INSURANCE COMPANY | — | $551 | $551 | 0.38% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R NELLIGN & ASSOCIATES | 1800 ROUTE 34 BUILDING 4 STE 404A WALL, NJ 07719 | DELTA DENTAL OF ILLINOIS | $4K | — | $4K | 4.98% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST WEST | 55 E JACKSON BLVD CHICAGO, IL 60604 | DELTA DENTAL OF ILLINOIS | $2K | — | $2K | 2.49% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 55 E JACKSON BLVD FL 14 CHICAGO, IL 606044466 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $59 | $4K | 21.62% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES R NELLIGAN & ASSOC LLC | 1060 BROADWAY SUITE 400 ALBANY, NY 122042507 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $16 | $1K | 5.72% |
| 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 | — | $328 | $328 | 1.64% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 | 1060 BROADWAY SUITE 400 ALBANY, NY 12204 | METROPOLITAN LIFE INSURANCE COMPANY | — | $90 | $90 | 0.45% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD RD STE 300 KIRKWOOD, MO 631224042 | METROPOLITAN LIFE INSURANCE COMPANY | — | $29 | $29 | 0.14% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD RD STE 300 KIRKWOOD, MO 63122 | METROPOLITAN LIFE INSURANCE COMPANY | -$29 | — | -$29 | -0.14% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 55 E JACKSON BLVD FL 14 CHICAGO, IL 806044466 | VISION SERVICE PLAN | $2K | — | $2K | 9.12% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 55 E JACKSON BLVD FL 14 CHICAGO, IL 606044466 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $59 | $2K | 25.52% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R. NELLIGAN & ASSOCIATES LLC | 1060 BROADWAY SUITE 400 ALBANY, NY 122042507 | METROPOLITAN LIFE INSURANCE COMPANY | $467 | $16 | $483 | 6.37% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 16253 COLLECTION CENTER DR 40 W MADISON 4TH FL BANK OF AMERICA CHICAGO, IN 606930162 | METROPOLITAN LIFE INSURANCE COMPANY | — | $134 | $134 | 1.77% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES R NELLIGAN & ASSOC LLC | 1060 BROADWAY SUITE 400 ALBANY, NY 12204 | METROPOLITAN LIFE INSURANCE COMPANY | — | $67 | $67 | 0.88% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD RD STE 300 KIRKWOOD, MO 63122 | METROPOLITAN LIFE INSURANCE COMPANY | $2 | $9 | $11 | 0.15% |
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 | 354 | 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) | 354 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF ILLINOIS | 233 | $84K |
| Vision | VISION SERVICE PLAN | 191 | $18K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 354 | $146K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 354 | $146K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 354 | $146K |
| Other(3 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 354 | $174K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 354 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.