| 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 | $48K | — | $48K | 2.20% |
| JOSEPH K HALEY3 | 812 N WASHINGTON AVE PARK RIDGE, IL 60068 | GUARDIAN | $156K | — | $156K | 8.08% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N. KIRKWOOD ROAD SUITE 300 KIRKWOOD, MO 63122 | GUARDIAN | $19K | — | $19K | 0.99% |
| JOSEPH K HALEY3 | 812 N WASHINGTON AVE PARK RIDGE, IL 60068 | GUARDIAN | $40K | — | $40K | 13.00% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD RD STE 300 KIRKWOOD, MO 631224042 | GUARDIAN | $8K | — | $8K | 2.69% |
| JOSEPH K HALEY3 | 101 N WACKER DR SUITE 612 CHICAGO, IL 60606 | AETNA LIFE INSURANCE COMPANY | $21K | — | $21K | 10.71% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LIMITED - | EMPLOYEE BENEFITS DEPARTMENT CHICAGO, IL 60604 | AETNA LIFE INSURANCE COMPANY | — | $4K | $4K | 1.96% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | PO BOX 6650 METARIE, LA 70009 | METLIFE LEGAL PLANS | $1K | — | $1K | 1.76% |
| JK HALEY & ASSOCIATES3 | 101 N. WACKER DRIVE STE 612 CHICAGO, IL 60606 | METLIFE LEGAL PLANS | $786 | — | $786 | 1.24% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST, LTD | 55 E, JACKSON BLVD FLOOR 14 CHICAGO, IL 60604 | METLIFE LEGAL PLANS | — | $773 | $773 | 1.22% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | OPERATING WEST ACCOUNT PO BOX 2158 RIVERSIDE, CA 92516 | METLIFE LEGAL PLANS | — | $62 | $62 | 0.10% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 3510 N. CAUSEWAY BLVD STE 300 METAIRIE, LA 70002 | METLIFE LEGAL PLANS | — | $47 | $47 | 0.07% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AETNA LIFE INSURANCE COMPANY EIN 06-6033492 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | 151 FARMINGTON AVE. HARTFORD, CT 06156 | $1.5M |
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 | 1,992 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 42 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,034 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | GUARDIAN | 1,704 | $2.2M |
| Vision | AETNA LIFE INSURANCE COMPANY | 3,047 | $201K |
| Life insurance | GUARDIAN | 1,992 | $1.9M |
| Short-term disability | GUARDIAN | 1,992 | $1.9M |
| Long-term disability(2 contracts) | GUARDIAN | 1,992 | $2.2M |
| Stop-loss / reinsurancereinsurance | AETNA LIFE INSURANCE COMPANY | 1,715 | $2.3M |
| Other(2 contracts, 2 carriers) | GUARDIAN | 1,992 | $2.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,047 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.