| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 251 PROGRESS WAY WAUNAKEE, WI 53597 | AETNA LIFE INSURANCE CO | $214K | $25K | $239K | 1.54% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | EMPLOYEE BENEFITS DEPT 55 E JACKSON BLVD. #14A CHICAGO, IL 60604 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $13K | $7K | $19K | 7.30% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 251 PROGRESS WAY SUITE 300 WAUNAKEE, WI 53597 | AETNA LIFE INSURANCE CO | $47K | — | $47K | 21.37% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LIMITEDD | 251 PROGRESS WAY SUITE 300 WAUNAKEE, WI 53597 | AETNA LIFE INSURANCE CO | $33K | — | $33K | 20.36% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 3510 N CAUSEWAY BLVD., SUITE 300 METAIRIE, LA 70002 | HEALTHIEST YOU | $14K | — | $14K | 15.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | EMPLOYEE BENEFITS DEPT 55 E JACKSON BLVD. #14A CHICAGO, IL 60604 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | $2K | $9K | 18.31% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| EMPLOYEE BENEFITS CORPORATION EIN 39-2044064 NONE | Contract Administrator; Claims processing Service code 12 | — | $12K |
| BR1106 EBCG LLC BROKER | Other commissions; Insurance agents and brokers Service code 22 | 2205 LAKESIDE DRIVE BANNOCKBURN, IL 60015 | $485 |
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 | 1,859 | 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) | 1,859 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts) | AETNA LIFE INSURANCE CO | 3,055 | $15.8M |
| Dental | AETNA LIFE INSURANCE CO | 3,055 | $15.5M |
| Vision | AETNA LIFE INSURANCE CO | 3,055 | $15.5M |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 759 | $263K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 759 | $263K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 759 | $263K |
| Other(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 759 | $408K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,055 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.