| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LILMITED | 55 E JACKSON BLVD CHICAGO, IL 60604 | BLUECROSS BLUESHIELD OF ILLINOIS | $69K | $2K | $71K | 4.10% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 203 N LA SALLE STREET FLOOR 20 CHICAGO, IL 60601 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $16K | — | $16K | 12.41% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | HUB INTL MIDWEST LIMITED OPERATION WEST ACCOUNT RIVERSIDE, CA 92516 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | — | $5K | 10.00% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES INTERNATIONAL MIDWEST | 1933 STATE ROUTE 35 STE 368 WALL, NJ 07719 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 5.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 55 E JACKSON BLVD 14TH STE 14A CHICAGO, IL 60604 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $916 | $916 | 1.97% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST | HUB INTL MIDWEST LIMITED OPERATION WEST ACCOUNT RIVERSIDE, CA 92516 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | — | $5K | 15.00% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 | 1933 STATE ROUTE 35 WALL, NJ 07719 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 5.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 55 E JACKSON BLVD 14TH FL STE 14A CHICAGO, IL 60604 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $748 | $748 | 2.12% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST | HUB INTL MIDWEST LIMITED OPERATION WEST ACCOUNT RIVERSIDE, CA 92516 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 10.00% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 | 1933 STATE ROUTE 35 STE 368 WALL, NJ 07719 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 5.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 55 E JACKSON BLVD 14TH STE 14A CHCIAGO, IL 60604 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $786 | $786 | 2.28% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | PO BOX 2158 RIVERSIDE, CA 92516 | VISION SERVICE PLAN | $1K | — | $1K | 9.99% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 1411 OPUS PL STE 450 DOWNERS GROVE, IL 605151423 | VISION SERVICE PLAN | $445 | — | $445 | 3.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | HUB INTL MIDWEST LIMITED OPERATION WEST ACCOUNT RIVERSIDE, CA 92516 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $359 | — | $359 | 10.01% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 | 1933 STATE RTE 35 STE 368 WALL, NJ 07719 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $179 | — | $179 | 4.99% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 55 E JACKSON BLVD 14TH FL STE 14A CHICAGO, IL 60604 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $79 | $79 | 2.20% |
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 | 93 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 100 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 86 | $127K |
| Vision | VISION SERVICE PLAN | 79 | $15K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 59 | $47K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 93 | $35K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 68 | $35K |
| Other(3 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 93 | $85K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 193 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.