| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 | 55 E JACKSON 12TH FL CHICAGO, IL 606049300 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $38K | — | $38K | 10.53% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R NELLIGAN& ASSOCIATES | 1060 BROADWAY SUITE 400 ALBANY, NY 12204 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $38K | — | $38K | 10.33% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTRRNATIONAL MIDWEST LIMITED | 3510 N CAUSEWAY BLVD STE 300 METAIRIE, LA 700023531 | HUMANA INSURANCE COMPANY | $15K | — | $15K | 9.14% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 3510 N CAUSEWAY BLVD STE 300 METAIRIE, LA 700023531 | HUMANA INSURANCE COMPANY | — | $8K | $8K | 4.62% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 55 E JACKSON BLVD 12TH FL CHICAGO, IL 606044150 | HUMANA INSURANCE COMPANY | $1K | — | $1K | 0.83% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 3510 N CAUSEWAY BLVD STE 300 METAIRIE, LA 700023531 | HUMANA INSURANCE COMPANY | — | $315 | $315 | 0.19% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 3510 N CAUSEWAY BLVD STE 300 METAIRIE, LA 700023531 | HUMANA INSURANCE COMPANY | $3K | — | $3K | 9.15% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 3510 N CAUSEWAY BLVD STE 300 METAIRIE, LA 700023531 | HUMANA INSURANCE COMPANY | — | $2K | $2K | 5.83% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 3510 N CAUSEWAY BLVD STE 300 METAIRIE, LA 700023531 | HUMANA INSURANCE COMPANY | — | $262 | $262 | 0.84% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 55 E JACKSON BLVD 12TH FL CHICAGO, IL 606044150 | HUMANA INSURANCE COMPANY | $256 | — | $256 | 0.82% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 55 E JACKSON BLVD CHICAGO, IL 60604 | FEDERAL INSURANCE COMPANY | $0 | — | $0 | — |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 55 E JACKSON 12TH FL CHICAGO, IL 606049300 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | -$7 | $2K | $2K | — |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD RD STE 300 KIRKWOOD, MO 63122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | -$10 | -$10 | — |
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 | 437 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 441 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | HUMANA INSURANCE COMPANY | 310 | $163K |
| Vision | HUMANA INSURANCE COMPANY | 255 | $31K |
| Life insurance | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 432 | $364K |
| Short-term disability | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 432 | $364K |
| Long-term disability | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 432 | $364K |
| Other(3 contracts, 3 carriers) | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 432 | $364K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 432 | — |
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.