| 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 | $286K | $9K | $295K | 3.92% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL LIMITED | 55 EAST JACKSON, SUITE 14B CHICAGO, IL 60604 | HARTFORD LIFE AND ACCIDENT | $15K | $167K | $182K | 5.29% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST | 55 EAST JACKSON, 12TH FLOOR KIRKWOOD, MI 63122 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $0 | $75K | $75K | 3.28% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST | 55 EAST JACKSON BOULEVARD SUITE 14A CHICAGO, IL 60604 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $66K | $0 | $66K | 2.89% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 55 EAST JACKSON, SUITE 14A CHICAGO, IL 60604 | RELIASTAR LIFE INSURANCE COMPANY | $174K | $0 | $174K | 25.14% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL LIMITED | UNKNOWN CHICAGO, IL 60654 | DELTA DENTAL OF ILLINOIS | $139K | $0 | $139K | 41.51% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST | UNKNOWN CHICAGO, IL 60654 | COMBINED INSURANCE | $17K | $0 | $17K | 11.43% |
| BUDDY INSURANCE3 | UNKNOWN CHICAGO, IL 60654 | COMBINED INSURANCE | $4K | $0 | $4K | 2.56% |
| IFC NATIONAL MARKETING3 | UNKNOWN CHICAGO, IL 60654 | COMBINED INSURANCE | $3K | $0 | $3K | 1.83% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | PO BOX 6650 METAIRIE, LA 70009 | METLIFE LEGAL PLANS | $16K | $0 | $16K | 11.88% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST, LTD | 55 EAST JACKSON BOULEVARD, FLOOR 14 CHICAGO, IL 60604 | METLIFE LEGAL PLANS | $0 | $2K | $2K | 1.45% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 3510 NORTH CAUSEWAY BOULEVARD SUITE 300 METAIRIE, LA 70002 | METLIFE LEGAL PLANS | $0 | $45 | $45 | 0.03% |
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 | 9,524 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 9,524 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN INC | 808 | $7.5M |
| Dental | DELTA DENTAL OF ILLINOIS | 6,335 | $335K |
| Vision | VISION SERVICE PLAN | 6,074 | $965K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 9,183 | $3.4M |
| Short-term disability | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 4,147 | $2.3M |
| Long-term disability | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 4,147 | $2.3M |
| Prescription drug(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC | 6,662 | $9.3M |
| Other(7 contracts, 6 carriers) | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 4,147 | $3.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 9,183 | — |
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.