| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| R & R INSURANCE SERVICES INC3 Filed as: R & R INSURANCE SERVICES INC. | N14 W23900 STONE RIDGE DR WAUKESHA, WI 53188 | BLUECROSS BLUESHIELD OF ILLNOIS | $25K | — | $25K | 2.11% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 55 E JACKSON BLVD CHICAGO, IL 60604 | BLUECROSS BLUESHIELD OF ILLNOIS | $24K | — | $24K | 2.06% |
| MUTUAL MED BENEFIT ADMINISTRATORS3 | 3551 N 7TH STREET SUITE 110 MOLINE, IL 61265 | BLUECROSS BLUESHIELD OF ILLNOIS | $3K | — | $3K | 0.25% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 55 E JACKSON 12TH FL CHICAGO, IL 606049300 | THE LINCOLN NATIONAL LIFE INSURANCE | $6K | — | $6K | 7.92% |
| R & R INSURANCE SERVICES INC3 | N14 W3900 STONE RIDGE DR WAUKESHA, WI 53188 | THE LINCOLN NATIONAL LIFE INSURANCE | $5K | — | $5K | 7.08% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 | 2338 IMMOKALEE RD STE 240 NAPLES, FL 34110 | THE LINCOLN NATIONAL LIFE INSURANCE | — | $597 | $597 | 0.83% |
| R & R INSURANCE SERVICES INC3 | N14 W23900 STONE RIDGE DR WAUKESHA, WI 53188 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 7.88% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 55 E JACKSON 12TH FL CHICAGO, IL 606049300 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 7.12% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 | 2338 IMMOKALEE RD STE 240 NAPLES, FL 34110 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $259 | $259 | 0.76% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 15162 COLLECTION CENTER DR CHICAGO, IL 606930001 | VISION SERVICE PLAN | $790 | — | $790 | 7.87% |
| R & R INSURANCE SERVICES INC3 | PO BOX 1610 WAUKESHA, WI 531871610 | VISION SERVICE PLAN | $702 | — | $702 | 7.00% |
| R & R INSURANCE SERVICES INC3 | N14 W23900 STONE RIDGE DR WAUKESHA, WI 53188 | LINCOLN LIFE INSURANCE COMPANY | $709 | — | $709 | 7.96% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 55 E JACKSON 12TH FL CHICAGO, IL 606049300 | LINCOLN LIFE INSURANCE COMPANY | $627 | — | $627 | 7.04% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 | 2338 IMMOKALEE RD STE 240 NAPLES, FL 34110 | LINCOLN LIFE INSURANCE COMPANY | — | $67 | $67 | 0.75% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 55 E JACKSON 12TH FL CHICAGO, IL 606049300 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $551 | — | $551 | 8.97% |
| R & R INSURANCE SERVICES INC3 Filed as: R & R INSURANCE SERVICES INC. | N14 W23900 STONE RIDGE DR WAUKESHA, WI 53188 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $371 | — | $371 | 6.04% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 | 2338 IMOKALEE RD STE 240 NAPLES, FL 34110 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $62 | $62 | 1.01% |
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 | 130 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 134 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ILLNOIS | 180 | $1.2M |
| Dental | BLUECROSS BLUESHIELD OF ILLNOIS | 180 | $1.2M |
| Vision | VISION SERVICE PLAN | 92 | $10K |
| Life insurance | LINCOLN LIFE INSURANCE COMPANY | 154 | $9K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE | 153 | $72K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 154 | $34K |
| Other(2 contracts, 2 carriers) | LINCOLN LIFE INSURANCE COMPANY | 154 | $15K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 180 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.