| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 | 55 EAST JACKSON BOULEVARD CHICAGO, IL 60604 | UNITEDHEALTHCARE INSURANCE COMPANY | $29K | $146K | $175K | 3.45% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL OF INDIANA LTD | 55 EAST JACKSON BOULEVARD #14B CHICAGO, IL 60604 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $14K | $14K | 0.27% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 505 NORTH BRAND BOULEVARD SUITE 600 GLENDALE, CA 91203 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $41 | $3K | 4.45% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | METROPOLITAN LIFE INSURANCE COMPANY | — | $1K | $1K | 1.43% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 55 EAST JACKSON BOULEVARD FLOOR 14 CHICAGO, IL 60604 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | — | $3K | 16.84% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 16253 COLLECTION CENTER DRIVE 40 WEST MADISON 4TH FLOOR BANK OF A CHICAGO, IL 60693 | METROPOLITAN LIFE INSURANCE COMPANY | — | $337 | $337 | 1.68% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 55 EAST JACKSON BOULEVARD 14TH FLOOR SUITE 14A CHICAGO, IL 60604 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 16.21% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 55 EAST JACKSON BOULEVARD 14TH FLOOR SUITE 14A CHICAGO, IL 60604 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 16.14% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 55 EAST JACKSON BOULEVARD FLOOR 14 CHICAGO, IL 60604 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 16.71% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 16253 COLLECTION CENTER DRIVE 40 WEST MADISON 4TH FLOOR BANK OF AMER CHICAGO, IL 60693 | METROPOLITAN LIFE INSURANCE COMPANY | — | $238 | $238 | 1.67% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ILLINOIS INC D/B/A ENROLL | 233 SOUTH WACKER DRIVE SUITE 2000 CHICAGO, IL 60606 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $285 | $7K | 54.68% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 55 EAST JACKSON BOULEVARD FLOOR 14 CHICAGO, LA 60604 | METROPOLOITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 18.62% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 16253 COLLECTION CENTER DRIVE 40 WEST MADISON 4TH FLOOR BANK OF AMER CHICAGO, IL 60693 | METROPOLOITAN LIFE INSURANCE COMPANY | — | $206 | $206 | 1.86% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 55 EAST JACKSON BOULEVARD FLOOR 14 CHICAGO, IL 60604 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 19.21% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 16253 COLLECTION CENTER DRIVE 40 WEST MADISON 4TH FLOOR BANK OF AMER CHICAGO, IL 60693 | METROPOLITAN LIFE INSURANCE COMPANY | — | $210 | $210 | 1.92% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ILLINOIS INC D/B/A ENROLL | 233 SOUTH WACKER DRIVE SUITE 2000 CHICAGO, IL 60606 | METROPOILITAN LIFE INSURANCE COMPANY | $5K | $229 | $5K | 63.18% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 15162 COLLECTION CENTER DRIVE CHICAGO, IL 60693 | HYATT LEGAL PLANS | $304 | $78 | $382 | 5.89% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | PO BOX 6650 METAIRIE, LA 70009 | HYATT LEGAL PLANS | $180 | — | $180 | 2.78% |
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 | 662 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 7 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 676 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 984 | $5.1M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 984 | $5.1M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 984 | $5.1M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 173 | $77K |
| Short-term disability(3 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 91 | $37K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 91 | $17K |
| Other(6 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 173 | $140K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 984 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.