| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 | 55 E JACKSON BLVD CHICAGO, IL 60604 | BLUE CROSS BLUE SHIELD OF ILLINOIS | $66K | $26K | $91K | 3.70% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | TRUSS, A DIVISION OF HUB 9200 WARD PKWY STE 500 KANSAS CITY, MO 64114 | STANDARD INSURANCE COMPANY | $11K | — | $11K | 20.00% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 | 1933 STATE ROUTE 35 SUITE 368 WALL, NJ 07719 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 5.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NE LIMITED | 1065 AVE. OF THE AMERICAS NEW YORK, NY 10018 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 2.87% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 55 E JACKSON BLVD CHICAGO, IL 60604 | DELAWARE AMERICAN LIFE INSURANCE COMPANY | $4K | — | $4K | 9.65% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | TRUSS, A DIVISION OF HUB 9200 WARD PKWY STE 500 KANSAS CITY, MO 64114 | STANDARD INSURANCE COMPANY | $6K | — | $6K | 20.00% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R NELLIGAN & ASSOCIATES | 1933 STATE ROUTE 35 SUITE 368 WALL, NJ 07719 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 5.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NE LIMITED | 1065 AVE OF THE AMERICAS NEW YORK, NY 10018 | STANDARD INSURANCE COMPANY | $1K | — | $1K | 3.84% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATINAL MIDDWEST WEST | 55 E JACKSON BLVD CHICAGO, IL 60604 | DELTA DENTAL OF ILLINOIS | $8K | — | $8K | 45.13% |
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 | 203 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 203 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF ILLINOIS | 383 | $2.5M |
| Dental(2 contracts, 2 carriers) | DELAWARE AMERICAN LIFE INSURANCE COMPANY | 164 | $58K |
| Life insurance(2 contracts, 2 carriers) | DELAWARE AMERICAN LIFE INSURANCE COMPANY | 203 | $72K |
| Long-term disability | STANDARD INSURANCE COMPANY | 203 | $56K |
| Other | DELAWARE AMERICAN LIFE INSURANCE COMPANY | 2 | $42K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 383 | — |
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.