| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONALL MIDWEST LIMITED | 55 E JACKSON BLVD 14TH FL STE 14A WAUKESHA, IL 60604 | HARTFORD LIFE AND ACCIDENT | $33K | $5K | $39K | 23.08% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R NELLIGAN & ASSOCIATES, LLC | 1933 STATE ROUTE 35 STE 368 WALL, NJ 07719 | HARTFORD LIFE AND ACCIDENT | — | $8K | $8K | 5.00% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R NELLIGAN AND ASSOCIATES LLC | 1933 STATE ROUTE 35, SUITE 368 WALL TOWNSHIP, NJ 07719 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $5K | $5K | 5.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 15162 COLLECTION CENTER DR CHICAGO, IL 60693 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 3.50% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 15162 COLLECTION CENTER DR CHICAGO, IL 60693 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $3K | $3K | 2.77% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | PO BOX 2158 RIVERSIDE, CA 92516 | VISION SERVICE PLAN | $1K | — | $1K | 5.72% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 1411 OPUS PL STE 450 DOWNERS GROVE, IL 605151423 | VISION SERVICE PLAN | $778 | — | $778 | 3.26% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 55 E JACKSON BLVD CHICAGO, IL 60604 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 11.29% |
| THE BENEFIT COMPANY INC3 | PO BOX 23127 COLUMBIA, SC 29224 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $371 | — | $371 | 1.70% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INS SVCS INC | 7701 AIRPORT CENTER DRIVE STE 1800 GREENSBORO, NC 274099047 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $368 | — | $368 | 1.69% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 55 E JACKSON BLVD CHICAGO, IL 60604 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 8.40% |
| THE BENEFIT COMPANY INC3 | PO BOX 23127 COLUMBIA, SC 29224 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $630 | — | $630 | 3.33% |
| MCGRIFF INSURANCE SERVICES INC3 Filed as: MCGRIFF INS SVCS INC | 7701 AIRPORT CENTER DRIVE STE 1800 GREENSBORO, NC 274099047 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $560 | — | $560 | 2.96% |
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 | 292 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 300 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITED OF OMAHA LIFE INSURANCE COMPANY | 153 | $96K |
| Vision | VISION SERVICE PLAN | 136 | $24K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 196 | $167K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 196 | $167K |
| Stop-loss / reinsurancereinsurance | TOKIO MARINE | 169 | $131K |
| Other(3 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 196 | $208K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 196 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.