| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 | 55 EAST JACKSON BLVD CHICAGO, IL 60604 | BLUE CROSS BLUE SHIELD OF ARIZONA | $76K | — | $76K | 5.53% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BLACK GOULD & ASSOCIATES | 9TH FLOOR 3800 N CENTRAL AVE PHOENIX, AZ 85012 | BLUE CROSS BLUE SHIELD OF ARIZONA | $1K | — | $1K | 0.09% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 55 E JACKSON BLVD CHICAGO, IL 606044466 | METROPOLITAN LIFE INSURANCE COMPANY | $12K | $47 | $12K | 9.56% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 | 1933 STATE ROUTE 35 STE 368 WALL, NJ 077193502 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $799 | $5K | 4.10% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BLACK GOULD & ASSOCIATION INC | 3800 N CENTRAL AVE FL 9 PHOENIX, AZ 850121979 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 1.20% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 16253 COLLECTION CENTER DR 40 W MADISON 4TH FL BANK OF AMERICA CHICAGO, IL 606930162 | METROPOLITAN LIFE INSURANCE COMPANY | — | $2K | $2K | 1.18% |
| LERONE SIDBERRY3 Filed as: LERONE A SIDBERRY | 55 E JACKSON BLVD FL 14 CHICAGO, IL 606044466 | UNITEDHEALTHCARE INSURANCE COMPANY | $1K | — | $1K | 8.72% |
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 | 240 | 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) | 240 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF ARIZONA | 342 | $1.4M |
| Dental | BLUE CROSS BLUE SHIELD OF ARIZONA | 342 | $1.4M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 276 | $16K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 365 | $131K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 365 | $131K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 365 | $131K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF ARIZONA | 342 | $1.4M |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 365 | $131K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 365 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.