| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 2120 PEWAUKEE RD #202 MILWAUKEE, WI 53202 | EVEREST REINSURANCE COMPANY | $17K | $0 | $17K | 4.34% |
| RISK STRATEGIES COMPANY3 | 1103 HUNTER DR STE 100 MT PLEASANT, WI 53406 | EVEREST REINSURANCE COMPANY | $5K | $0 | $5K | 1.38% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | HUB INTERNATIONAL GULF METAIRIE, LA 70602 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $11K | $4K | $15K | 21.88% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 | JAMES R NELLIGAN ASSOCIATES ALBANY, NY 12204 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $0 | $7K | $7K | 10.03% |
| RSC INSURANCE BROKERAGE INC3 | 1103 HUNTER DR MOUNT PLEASANT, WI 534060000 | DELTA DENTAL OF WISCONSIN | $4K | $0 | $4K | 9.36% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 203 N LA SALLE ST FLOOR 20 CHICAGO, IL 606040000 | WYSSTA INSURANCE COMPANY INC | $241 | $0 | $241 | 3.90% |
| RSC INSURANCE BROKERAGE INC3 | 1103 HUNTER DR MOUNT PLEASANT, WI 534060000 | WYSSTA INSURANCE COMPANY INC | $241 | $0 | $241 | 3.90% |
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 | 170 | 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) | 170 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | EVEREST REINSURANCE COMPANY | 71 | $720K |
| Dental | DELTA DENTAL OF WISCONSIN | 68 | $42K |
| Vision | WYSSTA INSURANCE COMPANY INC | 65 | $6K |
| Life insurance | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 170 | $71K |
| Short-term disability | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 170 | $71K |
| Long-term disability | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 170 | $71K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 170 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.