| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST | 1411 OPUS PL STE 450 DOWNERS GROVE, IL 60515 | UNITED HEALTHCARE INSURANCE COMPANY | $696K | — | $696K | 3.53% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST | 3390 UNIVERSITY AVE STE 300 RIVERSIDE, CA 92501 | GUARDIAN | $349K | — | $349K | 13.15% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD RD STE 300 KIRKWOOD, MO 63122 | GUARDIAN | $49K | — | $49K | 1.85% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIOPNAL | 55 E JACKSON BLVD CHICAGO, IL 60604 | GUARDIAN | — | $18K | $18K | 0.69% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST | 3390 UNIVERSITY AVE STE 300 RIVERSIDE, CA 92501 | GUARDIAN | $121K | — | $121K | 5.00% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS RESEARCH | 325 N KIRKWOOD RD STE 300 KIRKWOOD, MO 63122 | GUARDIAN | $49K | — | $49K | 2.04% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 55 E JACKSON BLVD CHICAGO, IL 60604 | GUARDIAN | — | $16K | $16K | 0.64% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST | 15162 COLLECTION CENTER CHICAGO, IL 60693 | VISION SERVICE PLAN | $50K | — | $50K | 12.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST | 2800 S RIVER RD STE 130 DES PLAINES, IL 60018 | VISION SERVICE PLAN | $13K | — | $13K | 3.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST | PO BOX 6650 METAIRIE, LA 70009 | METROPOLITAN PROPERTY AND CASUALTY | $7K | — | $7K | 10.28% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 55 E JACKSON BLVD CHICAGO, IL 60604 | METROPOLITAN PROPERTY AND CASUALTY | — | $894 | $894 | 1.40% |
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 | 5,191 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 122 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 5,313 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 3 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 2,895 | $21.7M |
| Dental | GUARDIAN | 4,128 | $2.4M |
| Vision | VISION SERVICE PLAN | 3,641 | $420K |
| Life insurance | GUARDIAN | 5,313 | $2.7M |
| Short-term disability | GUARDIAN | 5,313 | $2.7M |
| Long-term disability | GUARDIAN | 5,313 | $2.7M |
| Prescription drug(4 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 320 | $2.0M |
| Other | METROPOLITAN PROPERTY AND CASUALTY | 370 | $64K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,313 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.