| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTL MIDWEST LIMITED | 2120 PEWAUKEE ROAD SUITE 202 WAUKESHA, WI 53188 | HARTFORD LIFE AND ACCIDENT | $29K | $13K | $42K | 20.13% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R. NELLIGAN & ASSOCIATES, LLC | 1933 STATE ROUTE 35 SUITE 368 WALL, NJ 07719 | HARTFORD LIFE AND ACCIDENT | — | $12K | $12K | 5.83% |
| LERONE SIDBERRY3 Filed as: LERONE A SIDBERRY | 55 EAST JACKSON BOULEVARD FLOOR 12 CHICAGO, IL 60604 | STANDARD INSURANCE COMPANY | $5K | — | $5K | 14.49% |
| KME INSURANCE BROKERAGE, INC.3 Filed as: KME INS BROKERAGE INC | 125 SOUTH WACKER DRIVE SUITE 300 CHICAGO, IL 60641 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 8.29% |
| EUGENE COHEN INSURANCE AGENCY INC3 | 9933 NORTH LAWLER AVENUE SUITE 140 SKOKIE, IL 60077 | STANDARD INSURANCE COMPANY | $415 | — | $415 | 1.22% |
| SCOTT C. BASTIAN3 Filed as: SCOTT C BASTIAN | 525 WEST MONROE #600 CHICAGO, IL 60661 | STANDARD INSURANCE COMPANY | $187 | — | $187 | 0.55% |
| GCG FINANCIAL LLC3 | THREE PARKWAY NORTH SUITE 500 DEERFIELD, IL 60015 | STANDARD INSURANCE COMPANY | $166 | — | $166 | 0.49% |
| STEVEN HENEY3 | 300 SOUTH WACKER DRIVE SUITE 2000-A CHICAGO, IL 60641 | STANDARD INSURANCE COMPANY | $111 | — | $111 | 0.33% |
| ESKRA & ASSOCIATES INC3 Filed as: ESKRA AND ASSOCIATES INC | 100 MIRACLE MILE SUITE 250 CORAL GABLES, FL 33134 | STANDARD INSURANCE COMPANY | $82 | — | $82 | 0.24% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 55 EAST JACKSON BOULEVARD FLOOR 14 CHICAGO, IL 60604 | VISION SERVICE PLAN | $978 | — | $978 | 5.94% |
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 | 277 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 278 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 142 | $16K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 274 | $209K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 274 | $209K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 274 | $209K |
| Stop-loss / reinsurancereinsurance | BLUECROSS BLUESHIELD OF ILLINOIS | 268 | $2.1M |
| Other(3 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 305 | $250K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 305 | — |
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.