| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 | 55 EAST JACKSON BOULEVARD CHICAGO, IL 60604 | QUARTZ HEALTH BENEFIT PLANS CORPORATION | $12K | — | $12K | 3.34% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 251 PROGRESS WAY SUITE 300 WAUNAKEE, WI 53597 | GROUP HEALTH COOPERATIVE OF SOUTH CENTRAL WISCONSIN | $5K | — | $5K | 2.75% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 251 PROGRESS WAY SUITE 300 WAUNAKEE, WI 53597 | GROUP HEALTH COOPERATIVE OF SOUTH CENTRAL WISCONSIN | $4K | — | $4K | 2.08% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL - MADISON | 55 EAST JACKSON BOULEVARD CHICAGO, IL 60604 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $3K | — | $3K | 5.51% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INT'L MIDWEST LIMITED - EQUITAB | HUB INTERNATION GULF METAIRIE, LA 70002 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 15.48% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R. NELLIGAN ASSOCIATES, LLC | JAMES R. NELLIGAN ASSOCIATES ALBANY, NY 12204 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | — | $2K | $2K | 5.00% |
| MURPHY INSURANCE SERVICES INC3 | 251 PROGRESS WAY SUITE 300 WAUNAKEE, WI 53597 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 16.36% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LIMI | 251 PROGRESS WAY SUITE 300 WAUNAKEE, WI 53597 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $92 | $92 | 1.12% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 55 EAST JACKSON BOULEVARD #14A CHICAGO, IL 60604 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $610 | — | $610 | 15.02% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD - HQ | 55 EAST JACKSON BOULEVARD #14A CHICAGO, IL 60604 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $691 | — | $691 | 17.21% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 55 EAST JACKSON BOULEVARD #14A CHICAGO, IL 60604 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $177 | — | $177 | 11.30% |
| MURPHY INSURANCE SERVICES INC3 | 251 PROGRESS WAY SUITE 300 WAUNAKEE, WI 53597 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $13 | — | $13 | 0.83% |
| MURPHY INSURANCE SERVICES INC3 | 251 PROGRESS WAY SUITE 300 WAUNAKEE, WI 53597 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $198 | — | $198 | 16.97% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LIMI | 251 PROGRESS WAY SUITE 300 WAUNAKEE, WI 53597 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $10 | $10 | 0.86% |
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 | 194 | 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) | 194 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | QUARTZ HEALTH BENEFIT PLANS CORPORATION | 194 | $578K |
| Dental | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 78 | $48K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 78 | $48K |
| Life insurance(3 contracts, 2 carriers) | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 232 | $41K |
| Short-term disability(3 contracts, 3 carriers) | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 232 | $41K |
| Long-term disability(2 contracts, 2 carriers) | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 232 | $39K |
| Prescription drug | QUARTZ HEALTH BENEFIT PLANS CORPORATION | 49 | $348K |
| Other(6 contracts, 3 carriers) | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 232 | $50K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 232 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.