| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 | 203 N LA SALLE STREET FLOOR 20 CHICAGO, IL 60601 | BLUECROSS BLUESHIELD OF ILLINOIS | $12K | $72K | $84K | 0.42% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INSURANCE SERVICE | PO BOX 2158 RIVERSIDE, CA 92516 | RELIASTAR LIFE INSURANCE COMPANY | $405K | — | $405K | 20.55% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 | 1933 STATE ROUTE 35 STE 368 WALL TOWNSHIP, NJ 07719 | RELIASTAR LIFE INSURANCE COMPANY | — | $115K | $115K | 5.82% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 600 CORPORATE POINTE FL 6 CULVER CITY, CA 90230 | RELIASTAR LIFE INSURANCE COMPANY | $90K | — | $90K | 4.57% |
| BENEFITS EDUCATORS LLC3 Filed as: BENEFITS EDUCATORS, LLC | 2516 WAUKEGAN RD STE 357 GLENVIEW, IL 600251774 | RELIASTAR LIFE INSURANCE COMPANY | $4K | — | $4K | 0.22% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 3390 UNINVERSITY AVE, SUITE 300 RIVERSIDE, CA 92501 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $117K | $57K | $174K | 14.84% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R NELLIGAN & ASSOCIATES | 1933 STATE ROUTE 35 STE 368 BELMAR, NJ 07719 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $59K | — | $59K | 5.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 203 N LA SALLE ST FL 20 CHICAGO, IL 60601 | METLIFE LEGAL PLANS | $9K | $142 | $9K | 10.33% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN OF NEW YORK INC | PO BOX 745841 ATLANTA, GA 30374 | METLIFE LEGAL PLANS | — | $783 | $783 | 0.92% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | PO BOX 844501 DALLAS, TX 75284 | METLIFE LEGAL PLANS | — | $503 | $503 | 0.59% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 203 N LA SALLE ST FL 20 CHICAGO, IL 606011267 | METROPOLITAN LIFE INSURANCE COMPANY | $86 | $44 | $130 | 8.30% |
| 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 | — | $6 | $6 | 0.38% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 203 N LA SALLE ST FL 20 CHICAGO, IL 606011767 | METROPOLITAN LIFE INSURANCE COMPANY | — | $44 | $44 | 9.95% |
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 | 3,044 | 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) | 3,050 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,785 | $1.2M |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,785 | $1.2M |
| Life insurance | RELIASTAR LIFE INSURANCE COMPANY | 5,010 | $2.0M |
| Short-term disability | RELIASTAR LIFE INSURANCE COMPANY | 5,010 | $2.0M |
| Long-term disability | RELIASTAR LIFE INSURANCE COMPANY | 5,010 | $2.0M |
| Stop-loss / reinsurancereinsurance | BLUECROSS BLUESHIELD OF ILLINOIS | 2,885 | $20.1M |
| Other(4 contracts, 3 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 5,010 | $2.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,010 | — |
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.