| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 3390 UNIVERSITY AVE., SUITE 300 RIVERSIDE, CA 92501 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $38K | $16K | $54K | 15.27% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R. NELLIGAN & ASSOCIATES | 1060 BROADWAY SUITE 400 ALBANY, NY 12204 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $18K | — | $18K | 5.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWST LIMITED | PO BOX 2158 RIVERSIDE, CA 92516 | VISION SERVICE PLAN | $8K | — | $8K | 10.02% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HUB INTERNATIONAL BROKER | Other commissions; Insurance agents and brokers Service code 22 | EMPLOYEE BENEFITS DEPARTMENT CHICAGO, IL 60604 | $78K |
| HUB INTERNATIONAL MIDWEST LIMITED BROKER | Other commissions; Insurance agents and brokers Service code 22 | EMPLOYMEE BENEFITS DEPARTMENT 203 N LA SALLE ST CHICAGO, IL 60604 | $28K |
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 | 1,260 | 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) | 1,264 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 1,678 | $10.3M |
| Dental | AETNA LIFE INSURANCE COMPANY | 1,678 | $10.3M |
| Vision | VISION SERVICE PLAN | 731 | $75K |
| Life insurance | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,260 | $352K |
| Short-term disability | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,260 | $352K |
| Long-term disability | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,260 | $352K |
| Other | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,260 | $352K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,678 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.