| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 | UNKNOWN RIVERSIDE, CA 92516 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $56K | $0 | $56K | 5.74% |
| IMA, INC.3 | 1705 17TH STREET DENVER, CO 80202 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $38K | $0 | $38K | 3.97% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R. NELLIGAN & ASSOCIATES, LLC | 1933 STATE ROUTE 35 WALL, NJ 07719 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $18K | $18K | 1.85% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 55 EAST JACKSON BOULEVARD SUITE 14A CHICAGO, IL 60604 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $15K | $15K | 1.53% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | PO BOX 2158 RIVERSIDE, CA 92516 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $0 | $3K | 0.28% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 55 EAST JACKSON BOULEVARD CHICAGO, IL 60604 | KAISER FOUNDATION HEALTH PLAN, INC. | $4K | $0 | $4K | 1.37% |
| IMA, INC.3 | 1705 17TH STREET DENVER, CO 80202 | KAISER FOUNDATION HEALTH PLAN, INC. | $3K | $0 | $3K | 0.83% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | PO BOX 2158 RIVERSIDE, CA 92516 | VISION SERVICE PLAN | $8K | $0 | $8K | 5.84% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 1411 OPUS PLACE, SUITE 450 DOWNERS GROVE, IL 60515 | VISION SERVICE PLAN | $2K | $0 | $2K | 1.75% |
| IMA, INC.3 | PO BOX 733835 DALLAS, TX 75373 | VISION SERVICE PLAN | $2K | $0 | $2K | 1.25% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 15162 COLLECTION CENTER DRIVE CHICAGO, IL 60693 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $14K | $7K | $21K | 16.79% |
| IMA, INC.3 | 6200 LBJ FREEWAY, SUITE 200 DALLAS, TX 75240 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $11K | $0 | $11K | 8.48% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R. NELLIGAN & ASSOCIATES, LLC | 1933 STATE ROUTE 35 WALL TOWNSHIP, NJ 07719 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $4K | $4K | 2.88% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 707 SKOKIE BOULEVARD, SUITE 400 NORTHBROOK, IL 60062 | CONTINENTAL AMERICAN INSURANCE COMPANY | $7K | $0 | $7K | 12.79% |
| IMA, INC.3 | 430 EAST DOUGLAS AVENUE SUITE 400 WICHITA, KS 67202 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | $0 | $3K | 5.31% |
| ANGELA SCHIEK3 | 953 WILLOW LANE DUNDEE, IL 60118 | CONTINENTAL AMERICAN INSURANCE COMPANY | $74 | $0 | $74 | 0.14% |
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 | 1,243 | 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) | 1,250 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN, INC. | 20 | $327K |
| Vision | VISION SERVICE PLAN | 824 | $135K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,215 | $968K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,215 | $968K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,215 | $968K |
| Other(3 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,215 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,215 | — |
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.