| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DUBLIN INSURANCE SERVICES, INC.3 Filed as: DUBLIN INSURANCE SERVICES INC | PO BOX 9026 PLEASANTON, CA 945669026 | UNITEDHEALTHCARE INSURANCE COMPANY | $47K | — | $47K | 12.11% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | PO BOX 2158 SUITE 400 RIVERSIDE, CA 92506 | UNITED HEALTHCARE INSURANCE COMPANY | $57K | — | $57K | 15.36% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R. NELLIGAN & ASSOCIATES, LLC | 2338 IMMOKALEE RD STE 240 NAPLES, FL 33110 | UNITED HEALTHCARE INSURANCE COMPANY | $37K | — | $37K | 9.94% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 203 N. LA SALLE STREET, FLOOR 20 CHICAGO, IL 60601 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $33K | — | $33K | 9.93% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 203 N. LA SALLE STREET, FLOOR 20 CHICAGO, IL 60601 | CIGNA DENTAL HEALTH OF TEXAS INC | $851 | — | $851 | 10.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 203 N. LA SALLE STREET, FLOOR 20 CHICAGO, IL 60601 | CIGNA DENTAL HEALTH OF PENNSYLVANIA, INC. | $135 | — | $135 | 9.98% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 203 N. LA SALLE STREET, FLOOR 20 CHICAGO, IL 60601 | CIGNA DENTAL HEALTH OF COLORADO, INC | $127 | — | $127 | 10.02% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INNTENATIONAL MIDWEST LIMITED | 203 N. LA SALLE STREET, FLOOR 20 CHICAGO, IL 60601 | CIGNA DENTAL HEALTH OF KENTUCKY INC. | $47 | — | $47 | 10.11% |
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 | 264 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 266 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 0 | $384K |
| Dental(5 contracts, 5 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 282 | $345K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 282 | $333K |
| Life insurance | UNITED HEALTHCARE INSURANCE COMPANY | 277 | $370K |
| Short-term disability | UNITED HEALTHCARE INSURANCE COMPANY | 277 | $370K |
| Long-term disability | UNITED HEALTHCARE INSURANCE COMPANY | 277 | $370K |
| Other | UNITED HEALTHCARE INSURANCE COMPANY | 277 | $370K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 282 | — |
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.