| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 | 1411 OPUS PL STE 450 DOWNERS GROVE, IL 60515 | UNITEDHEALTHCARE INSURANCE COMPANY | $39K | — | $39K | 3.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | PO BOX 2158 RIVERSIDE, CA 92516 | PRINCIPAL LIFE INSURANCE COMPANY | $20K | $3K | $23K | 12.43% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 | 2338 IMMOKALEE RD PMB 240 NAPLES, FL 34110 | PRINCIPAL LIFE INSURANCE COMPANY | $7K | — | $7K | 4.02% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL LIMITED | 150 N RIVERSIDE PLZ STE 1700 CHICAGO, IL 60606 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | — | $2K | 1.12% |
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 | 163 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 163 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 300 | $1.3M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 309 | $186K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 309 | $186K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 309 | $186K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 309 | $186K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 309 | $186K |
| Other | PRINCIPAL LIFE INSURANCE COMPANY | 309 | $186K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 309 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.