| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 | 55 E JACKSON BLVD 12TH FL CHICAGO, IL 606044466 | HUMANADENTAL INSURANCE COMPANY | $47K | — | $47K | 9.97% |
| NGAGE, LLC3 | 7325 JANES AVENUE WOODRIDGE, IL 60517 | CONTINENTAL AMERICAN INSURANCE COMPANY | $139K | — | $139K | 44.92% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 55 E JACKSON BLVD FLOOR 14B CHICAGO, IL 60404 | CONTINENTAL AMERICAN INSURANCE COMPANY | $59K | — | $59K | 19.23% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 55 E JACKSON STE 600 CHICAGO, IL 606049300 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $8K | $8K | 3.73% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 55 E JACKSON STE 600 CHICAGO, IL 606049300 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $9K | $6K | $15K | 8.09% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 55 E JACKSON STE 600 CHICAGO, IL 606049300 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $4K | $4K | 3.94% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | STE 300 3510 N CAUSEWAY BLVD METAIRIE, LA 700023531 | HUMANA INSURANCE COMPANY | $7K | $1K | $8K | 11.68% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 55 E JACKSON STE 600 CHICAGO, IL 606049300 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $1K | $1K | 2.73% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 55 E JACKSON BLVD FLOOR 14B CHICAGO, IL 60404 | MUTUAL OF OMAHA INSURANCE COMPANY | $336 | — | $336 | 14.98% |
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 | 899 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 79 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 986 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | HUMANADENTAL INSURANCE COMPANY | 738 | $469K |
| Vision | HUMANA INSURANCE COMPANY | 586 | $72K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 892 | $95K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 891 | $211K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 235 | $43K |
| Other(4 contracts, 3 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 892 | $587K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 892 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.