| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL OF CA INS. SVCS. | PO BOX 2158 RIVERSIDE, CA 92516 | KAISER FOUNDATION HEALTH PLAN INC | $367K | $10K | $378K | 5.58% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 3510 NORTH CAUSEWAY BOULEVARD SUITE 300 METAIRIE, LA 70002 | MONY LIFE INSURANCE COMPANY OF AMERICA | $113K | $0 | $113K | 2.50% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 55 EAST JACKSON BOULEVARD 14TH FLOOR A CHICAGO, IL 60604 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $51K | $27K | $78K | 1.83% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL LIMITED | 55 EAST JACKSON BOULEVARD 14TH FLOOR A CHICAGO, IL 60604 | DELTA DENTAL OF ILLINOIS | $132K | $0 | $132K | 41.59% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 3510 NORTH CAUSEWAY BOULEVARD SUITE 300 METAIRIE, LA 70002 | ALPHA DENTAL PROGRAMS, INC. | $9K | $0 | $9K | 4.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | PO BOX 6650 METAIRIE, LA 70009 | METLIFE LEGAL PLANS | $13K | $0 | $13K | 8.56% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST, LTD | 55 EAST JACKSON BOULEVARD CHICAGO, IL 60604 | METLIFE LEGAL PLANS | $0 | $2K | $2K | 1.10% |
| KAYE INSURANCE ASSOCIATES INC3 Filed as: KAYE INSURANCE ASSOCIATES INC. | 100 SUNNYSIDE BOULEVARD WOODBURY, NY 11797 | METLIFE LEGAL PLANS | $0 | $54 | $54 | 0.04% |
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 | 8,023 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 144 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 262 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 8,429 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN INC | 1,131 | $6.8M |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF ILLINOIS | 5,498 | $547K |
| Vision | VISION SERVICE PLAN | 5,119 | $802K |
| Life insurance | MONY LIFE INSURANCE COMPANY OF AMERICA | 8,023 | $4.5M |
| Short-term disability | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 7,703 | $4.3M |
| Long-term disability | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 7,703 | $4.3M |
| Prescription drug(2 contracts, 2 carriers) | RXBENEFITS, INC. | 5,516 | $21.6M |
| Other(6 contracts, 5 carriers) | MONY LIFE INSURANCE COMPANY OF AMERICA | 8,023 | $9.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 8,023 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.