| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2850 GOLF ROAD, STE 1000 ROLLING MEADOWS, IL 60008 | AETNA LIFE INSURANCE CO | — | $12K | $12K | 0.07% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | EMPLOYEE BENEFITS DEPARTMENT CHICGO, IL 60604 | AETNA LIFE INSURANCE CO | $8K | — | $8K | 0.04% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 203 N LA SALLE STREET, 20TH FLOOR CHICAGO, IL 60601 | AETNA LIFE INSURANCE CO | $5K | — | $5K | 0.03% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INATERNATIONAL MIDWEST LIMITED | 5600 NEW KING DR STE 210 TROY, MI 48098 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $43K | $43K | 7.24% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 2800 S RIVER RD STE 130 DES PLAINES, IL 60018 | SUN LIFE ASSURANCE COMPANY OF CANADA | $41K | — | $41K | 6.87% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 | 1933 STATE ROUTE 35 SUITE 300 WALL, NJ 07719 | SUN LIFE ASSURANCE COMPANY OF CANADA | $13K | — | $13K | 2.12% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2850 GOLF RD 5TH FL ROLLING MEADOWS, IL 60008 | SUN LIFE ASSURANCE COMPANY OF CANADA | $954 | — | $954 | 0.16% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | PO BOX 2167 GRAND RAPIDS, MI 49501 | SUN LIFE ASSURANCE COMPANY OF CANADA | $19K | — | $19K | 10.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 5600 NEW KING DR STE 210 TROY, MI 48098 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $11K | $11K | 5.78% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 | 1933 STATE ROUTE 35 SUITE 300 WALL, NJ 07719 | SUN LIFE ASSURANCE COMPANY OF CANADA | $4K | — | $4K | 1.85% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2850 GOLF RD 5TH FL ROLLING MEADOWS, IL 60008 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $37 | $37 | 0.04% |
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 | 1,534 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 37 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,571 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE CO | 2,472 | $17.3M |
| Dental | AETNA LIFE INSURANCE CO | 2,472 | $17.3M |
| Vision | AETNA LIFE INSURANCE CO | 2,472 | $17.3M |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,575 | $591K |
| Short-term disability(2 contracts) | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,496 | $286K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,575 | $591K |
| Other(2 contracts) | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,575 | $685K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,472 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.