| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JOSEPH K HALEY3 | 812 N WASHINGTON AVE 40 W MADISON 4TH FL PARK RIDGE, IL 60068 | GUARDIAN | $40K | — | $40K | 1.83% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 3390 W UNIVERSITY SUITE 300 RIVERSIDE, CA 92501 | GUARDIAN | $8K | — | $8K | 0.37% |
| JOSEPH K HALEY3 | 812 N WASHINGTON AVE PARK RIDGE, IL 60068 | GUARDIAN | $129K | — | $129K | 6.20% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 3390 UNIVERSITY AVE SUITE 300 RIVERSIDE, CA 92501 | GUARDIAN | $38K | $70K | $108K | 5.19% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N. KIRKWOOD ROAD SUITE 300 KIRKWOOD, MO 63122 | GUARDIAN | $40K | — | $40K | 1.94% |
| JOSEPH K HALEY3 | 812 N WASHINGTON AVE PARK RIDGE, IL 60068 | GUARDIAN | $37K | — | $37K | 10.88% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 3390 W UNIVERSITY AVE SUITE 300 RIVERSIDE, CA 92501 | GUARDIAN | $11K | $10K | $21K | 6.30% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD RD STE 300 KIRKWOOD, MO 631224042 | GUARDIAN | $18K | — | $18K | 5.45% |
| JOSEPH K HALEY3 | 101 N WACKER DR SUITE 612 CHICAGO, IL 60606 | AETNA LIFE INSURANCE COMPANY | $13K | — | $13K | 6.71% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LIMITED - | EMPLOYEE BENEFITS DEPARTMENT CHICAGO, IL 60604 | AETNA LIFE INSURANCE COMPANY | $3K | — | $3K | 1.65% |
| JOSEPH K HALEY3 | 101 N WACKER DR SUITE 612 CHICAGO, IL 60606 | AETNA LIFE INSURANCE COMPANY | $38K | — | $38K | 24.63% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 55 E JACKSON BLVD #14A CHICAGO, IL 60604 | AETNA LIFE INSURANCE COMPANY | $9K | — | $9K | 6.05% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD RD STE 300 KIRKWOOD, MO 631224042 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | $11K | $20K | — |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 16253 COLLECTION CENTER DR 40 W MADISON 4TH FL CHICAGO, IL 606930162 | METROPOLITAN LIFE INSURANCE COMPANY | — | $12K | $12K | — |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 15162 COLLECTION CENTER DR CHICAGO, IL 606930151 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | — | $9K | — |
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 | 1,961 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 39 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,000 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | METROPOLITAN LIFE INSURANCE COMPANY | 0 | $0 |
| Dental | GUARDIAN | 1,694 | $2.2M |
| Vision | AETNA LIFE INSURANCE COMPANY | 3,080 | $199K |
| Life insurance | GUARDIAN | 1,962 | $2.1M |
| Short-term disability | GUARDIAN | 1,962 | $2.1M |
| Long-term disability(2 contracts) | GUARDIAN | 1,962 | $2.4M |
| Stop-loss / reinsurancereinsurance | AETNA LIFE INSURANCE COMPANY | 1,712 | $2.1M |
| Other | GUARDIAN | 1,962 | $2.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,080 | — |
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.
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.