| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL OF CA INSURANCE | PO BOX 2158 RIVERSIDE, CA 92516 | KAISER FOUNDATION HEALTH PLAN INC | $261K | $0 | $261K | 4.97% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 55 EAST JACKSON BOULEVARD 14TH FLOOR A CHICAGO, IL 60604 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $39K | $58K | $97K | 2.95% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 15162 COLLECTION CENTER DRIVE CHICAGO, IL 60693 | MONY LIFE INSURANCE COMPANY OF AMERICA | $27K | $0 | $27K | 1.76% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL LIMITED | 15162 COLLECTIONS CENTER DRIVE CHICAGO, IL 60693 | DELTA DENTAL OF ILLINOIS | $119K | $0 | $119K | 45.05% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL LIMITED | 15162 COLLECTION CENTER DRIVE CHICAGO, IL 60693 | ALPHA DENTAL PROGRAMS, INC. | $10K | $0 | $10K | 4.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 15162 COLLECTION CENTER DRIVE CHICAGO, IL 60693 | HYATT LEGAL PLANS | $11K | $0 | $11K | 9.92% |
| KAYE INSURANCE ASSOCIATES INC3 Filed as: KAYE INSURANCE ASSOCIATES, INC. | 1393 VETERANS HIGHWAY SUITE 120N HAUPPAUGE, NY 11788 | HYATT LEGAL PLANS | $0 | $80 | $80 | 0.07% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 1065 AVENUE OF THE AMERICAS NEW YORK, NY 10018 | NATIONAL UNION FIRE INSURANCE COMPANY OF PITTSBURGH, PA | $4K | $0 | $4K | 15.00% |
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 | 6,793 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 55 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 6,848 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN INC | 997 | $5.2M |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF ILLINOIS | 4,533 | $518K |
| Vision | VISION SERVICE PLAN | 4,242 | $602K |
| Life insurance | MONY LIFE INSURANCE COMPANY OF AMERICA | 6,867 | $1.6M |
| Short-term disability | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 6,714 | $3.3M |
| Long-term disability | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 6,714 | $3.3M |
| Prescription drug(2 contracts, 2 carriers) | CVS HEALTH | 6,793 | $17.3M |
| Other(6 contracts, 6 carriers) | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 6,867 | $5.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 6,867 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.