| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 | 125 S WACKER DR STE 300 CHICAGO, IL 60606 | STANDARD INSURANCE COMPANY | $81K | — | $81K | 8.07% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | ATTN INVOICE 3066809 55 EAST JACKSON BLVD 14TH FLR CHICAGO, IL 60604 | STANDARD INSURANCE COMPANY | — | $30K | $30K | 3.02% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 125 S WACKER DR STE 300 CHICAGO, IL 60606 | STANDARD INSURANCE COMPANY | $51K | — | $51K | 7.46% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | ATTN INVOICE 3066809 55 EAST JACKSON BLVD 14TH FLR CHICAGO, IL 60604 | STANDARD INSURANCE COMPANY | — | $20K | $20K | 2.83% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | ATTN EMP BENEFITS DEPT 55 E JACKSON BLVD #14A CHICAGO, IL 60604 | RELIASTAR LIFE INSURANCE COMPANY | $104K | — | $104K | 16.82% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS SERVICES INC | 6701 CENTER DR W STE 1550 LOS ANGELES, CA 90045 | RELIASTAR LIFE INSURANCE COMPANY | $18K | — | $18K | 2.98% |
| AON CONSULTING INC3 Filed as: BSWIFT | PO BOX 860470 MINNEAPOLIS, MN 554860463 | RELIASTAR LIFE INSURANCE COMPANY | — | $14K | $14K | 2.32% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | HUB INTL MIDWEST LIMITED OPERATING WEST ACCOUNT RIVERSIDE, CA 925162158 | EYEMED VISION CARE | $10K | — | $10K | 2.26% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | HUB INTL MIDWEST LIMITED RIVERSIDE, CA 925162158 | EYEMED VISION CARE | $8K | — | $8K | 1.91% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | HUB INTERNAQTIONAL MIDWEST RIVERSIDE, CA 925162158 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $5K | — | $5K | 1.31% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 55 E JACKSKON BLVD STE 14A CHICHAGO, IL 60604 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $10K | — | $10K | 9.98% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | HUB INTERNATIONAL MIDWEST RIVERSIDE, CA 925162158 | CIGNA DENTAL HEALTH OF KENTUCKY, INC. | $929 | — | $929 | 1.33% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | HUB INTERNATIONAL MIDWEST RIVERSIDE, CA 925162158 | CIGNA DENTAL HEALTH OF TEXAS, INC. | $533 | — | $533 | 1.27% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | HUB INTERNATIONAL MIDWEST RIVERSIDE, CA 925162158 | CIGNA DENTAL HEALTH OF MARYLAND, INC. | $398 | — | $398 | 1.14% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | HUB INTERNATIONAL MIDWEST RIVERSIDE, CA 925162158 | CIGNA DENTAL HEALTH OF FLORIDA, INC. | $433 | — | $433 | 1.38% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | HUB INTERNATIONAL MIDWEST RIVERSIDE, CA 925162158 | CIGNA DENTAL HEALTH PLAN OF ARIZONA, INC. | $259 | — | $259 | 1.24% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | HUB INTERNATIONAL MIDWEST RIVERSIDE, CA 925162158 | CIGNA DENTAL HEALTH OF CALIFORNIA, INC. | $205 | — | $205 | 1.47% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | HUB INTERNATIONAL MIDWEST RIVERSIDE, CA 925162158 | CIGNA DENTAL HEALTH OF OHIO, INC. | $133 | — | $133 | 1.27% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | HUB INTERNATIONAL MIDWEST RIVERSIDE, CA 925162158 | CIGNA DENTAL HEALTH OF MISSOURI, INC. | $80 | — | $80 | 1.15% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | HUB INTERNATIONAL MIDWEST RIVERSIDE, CA 925162158 | CIGNA DENTAL HEALTH OF NEW JERSEY, INC | $80 | — | $80 | 1.15% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | HUB INTERNATIONAL MIDWEST RIVERSIDE, CA 925162158 | CIGNA DENTAL HEALTH OF PENNSYLVANIA, INC. | $89 | — | $89 | 1.27% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | HUB INTERNATIONAL MIDWEST RIVERSIDE, CA 925162158 | CIGNA DENTAL HEALTH OF NORTH CAROLINA, INC. | $109 | — | $109 | 1.56% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | HUB INTERNATIONAL MIDWEST RIVERSIDE, CA 925162158 | CIGNA DENTAL HEALTH OF VIRGINIA, INC. | $61 | — | $61 | 1.75% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | HUB INTERNATIONAL MIDWEST RIVERSIDE, CA 925162158 | CIGNA DENTAL HEALTH OF COLORADO, INC | $42 | — | $42 | 1.20% |
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 | 4,152 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 18 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 4,170 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(14 contracts, 14 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 1,171 | $608K |
| Vision | EYEMED VISION CARE | 5,167 | $422K |
| Life insurance(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 4,044 | $1.1M |
| Long-term disability(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 4,099 | $753K |
| Other(3 contracts, 3 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 5,336 | $1.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,336 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.