| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 | 2120 PEWAUKEE ROAD, SUITE 202 WAUKESHA, WI 53188 | HARTFORD LIFE AND ACCIDENT | $35K | $451K | $486K | 9.47% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 832 NIAGARA AVENUE, SUITE 14B SHEBOYGAN, WI 53081 | HARTFORD LIFE AND ACCIDENT | $31K | $16K | $47K | 0.91% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL OF CA INS. SVCS | PO BOX 2158 RIVERSIDE, CA 92516 | KAISER FOUNDATION HEALTH PLAN, INC. | $168K | $8 | $168K | 3.88% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 55 EAST JACKSON BOULEVARD SUITE 14A CHICAGO, IL 60604 | RELIASTAR LIFE INSURANCE COMPANY | $242K | $0 | $242K | 20.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCS., INC. | 6701 CENTER DRIVE WEST, SUITE 1500 LOS ANGELES, CA 90045 | RELIASTAR LIFE INSURANCE COMPANY | $45K | $0 | $45K | 3.72% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST | 55 EAST JACKSON BOULEVARD SUITE A CHICAGO, IL 60604 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $14K | $0 | $14K | 4.57% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST | UNKNOWN OAKBROOK TERRACE, IL 60181 | COMBINED INSURANCE | $17K | $0 | $17K | 6.69% |
| IFC NATIONAL MARKETING3 | UNKNOWN OAKBROOK TERRACE, IL 60181 | COMBINED INSURANCE | $2K | $0 | $2K | 0.98% |
| BUDDY INSURANCE3 | UNKNOWN OAKBROOK TERRACE, IL 60181 | COMBINED INSURANCE | $1K | $0 | $1K | 0.55% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | PO BOX 6650 METAIRIE, LA 70009 | METLIFE LEGAL PLANS | $21K | $0 | $21K | 11.07% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST, LTD | 55 EAST JACKSON BOULEVARD 14TH FLOOR CHICAGO, IL 60604 | METLIFE LEGAL PLANS | $0 | $3K | $3K | 1.50% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | PO BOX 2158 RIVERSIDE, CA 92516 | METLIFE LEGAL PLANS | $0 | $191 | $191 | 0.10% |
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 | 12,225 | 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) | 12,225 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN, INC. | 704 | $4.3M |
| Vision | VISION SERVICE PLAN | 7,857 | $1.4M |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 12,225 | $5.1M |
| Short-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 4,463 | $298K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 4,463 | $298K |
| Prescription drug(3 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN, INC. | 12,225 | $6.1M |
| Other(8 contracts, 8 carriers) | HARTFORD LIFE AND ACCIDENT | 12,231 | $8.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 12,231 | — |
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.