| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED Filed as: HUB INTERNATIONAL | 55 E JACKSON BLVD CHICAGO, IL 60604 | UNITED HEALTHCARE INSURANCE COMPANY | $283K | — | $283K | 3.53% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: PROSPECTIVE RISK MANAGAMENT | 4348 SOUTHPOINT BLVD STE 410 JACKSONVILLE, FL 32216 | UNITED HEALTHCARE INSURANCE COMPANY | $36K | — | $36K | 0.45% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 55 E JACKSON CHICAGO, IL 60693 | UNITED OF OMAHA LIFE INSURANCE | $99K | $22K | $121K | 18.32% |
| JAY POLLACK3 | 1751 LAKE COOK RD STE 350 DEERFIELD, IL 60015 | BERKSHIRE LIFE INSURANCE COMPANY | $3K | — | $3K | 3.96% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 55 E JACKSON CHICAGO, IL 60693 | BERKSHIRE LIFE INSURANCE COMPANY | $3K | — | $3K | 3.41% |
| MARK PIETSCH3 | 1751 LAKE COOK RD STE 350 DEERFIELD, IL 60015 | BERKSHIRE LIFE INSURANCE COMPANY | $2K | — | $2K | 2.60% |
| ROBIN TULLIS3 | 1751 LAKE COOK RD STE 350 DEERFIELD, IL 60015 | BERKSHIRE LIFE INSURANCE COMPANY | $28 | — | $28 | 0.04% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 55 E JACKSON BLVD CHICAGO, IL 60604 | HYATT LEGAL PLANS | $3K | $626 | $4K | 12.10% |
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 | 1,738 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 15 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,753 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 907 | $8.0M |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE | 2,220 | $659K |
| Short-term disability(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE | 2,220 | $738K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE | 2,220 | $659K |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE | 2,220 | $690K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,220 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.