| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JOE FERNANDEZ3 | 7500 DALLAS PKWY STE 550 PLANO, TX 750244019 | RELIASTAR LIFE INSURANCE COMPANY | $155K | $15K | $170K | 19.23% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | PO BOX 2158 RIVERSIDE, CA 92516 | RELIASTAR LIFE INSURANCE COMPANY | $148K | — | $148K | 16.66% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R NELLIGAN & ASSOCIATES, LLC | 2338 IMMOKALEE RD STE 240 NAPLES, FL 341101145 | RELIASTAR LIFE INSURANCE COMPANY | — | $38K | $38K | 4.30% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL CFR | 55 E JACKSON BLVD CHICAGO, IL 60604 | AETNA LIFE INSURANCE COMPANY | — | $41K | $41K | 6.01% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 | 1800 RTE 34, BLD 4 WALL, NJ 07719 | AETNA LIFE INSURANCE COMPANY | $17K | — | $17K | 2.52% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 55 E JACKSON BLVD CHICAGO, IL 60604 | EYEMED VISION CARE | $7K | — | $7K | 8.64% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 3390 UNIVERSITY AVE., STE 300 RIVERSIDE, CA 925162158 | EYEMED VISION CARE | $600 | — | $600 | 0.77% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AETNA LIFE INSURANCE COMPANY EIN 06-6033492 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | 151 FARMINGTON AVE. HARTFORD, CT 06156 | $884K |
| HUB INTERNATIONAL MIDWEST LIMITED EIN 35-0672425 BROKER | Insurance agents and brokers; Other commissions Service code 22 | — | $0 |
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 | 1,266 | 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) | 1,266 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AETNA LIFE INSURANCE COMPANY | 1,740 | $689K |
| Vision | EYEMED VISION CARE | 1,524 | $78K |
| Life insurance | RELIASTAR LIFE INSURANCE COMPANY | 1,815 | $886K |
| Short-term disability | RELIASTAR LIFE INSURANCE COMPANY | 1,815 | $886K |
| Long-term disability | RELIASTAR LIFE INSURANCE COMPANY | 1,815 | $886K |
| Other | RELIASTAR LIFE INSURANCE COMPANY | 1,815 | $886K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,815 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.