| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| N/A | — | WELLMARK HEALTH PLAN OF IOWA, INC. | $63K | — | $63K | 0.79% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | ATTN EMP BENFTS DEPT 55 E JACKSON BLVD #14A CHICAGO, IL 60604 | RELIASTAR LIFE INSURANCE COMPANY | $53K | — | $53K | 12.24% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 3390 UNIVERSITY AVE SUITE 300 RIVERSIDE, CA 92501 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $15K | $3K | $18K | 27.51% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R. NELLIGAN & ASSOCIATES | 1060 BROADWAY SUITE 400 ALBANY, NY 12204 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 5.00% |
| AMWINS5 Filed as: AMWINS GROUP BENEFITS LLC | 50 WHITECAP DRIVE N. KINGSTON, RI 02852 | TRANSAMERICA FINANCIAL LIFE INSURANCE COMPANY MEDICARE SUPPLEMENT | $6K | — | $6K | 11.49% |
| HUB INTERNATIONAL MIDWEST LIMITED5 Filed as: HUB INTERNATIONAL MIDWEST LIMITS | 55 E. JACKSON BLVD CHICAGO, IL 60604 | TRANSAMERICA FINANCIAL LIFE INSURANCE COMPANY MEDICARE SUPPLEMENT | $2K | — | $2K | 3.45% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHEAST LIMITED | 55 E JACKSON BLVD 12TH FLOOR CHICAGO, IL 60604 | FOUR EVER LIFE INS. CO | $3K | — | $3K | 8.00% |
| AMWINS3 Filed as: AMWINS GROUP BENEFITS LLC | 50 WHITECAP DRIVE N. KINGSTON, RI 02852 | EXPRESS SCRIPTS, INC. | $1K | — | $1K | 8.65% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 55 E. JACKSON BLVD CHICAGO, IL 60604 | EXPRESS SCRIPTS, INC. | $369 | — | $369 | 2.16% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 55 EAST JACKSON BLVD SUITE 14A CHICAGO, IL 60604 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $964 | — | $964 | 10.00% |
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 | 673 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 680 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 4 carriers) | WELLMARK HEALTH PLAN OF IOWA, INC. | 673 | $8.1M |
| Dental | DELTA DENTAL OF IOWA | 681 | $0 |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 1,457 | $105K |
| Life insurance | RELIASTAR LIFE INSURANCE COMPANY | 748 | $432K |
| Short-term disability | RELIASTAR LIFE INSURANCE COMPANY | 748 | $432K |
| Long-term disability | RELIASTAR LIFE INSURANCE COMPANY | 748 | $432K |
| Prescription drug(2 contracts, 2 carriers) | EXPRESS SCRIPTS, INC. | 669 | $17K |
| Other(4 contracts, 4 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 748 | $510K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,457 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.