| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 | 55 E JACKSON BLVD CHICAGO, IL 60604 | BLUECROSS BLUESHIELD OF ILLINOIS | $54K | $2K | $55K | 3.22% |
| DSP INSURANCE SERVICES, INC.3 | 1900 EAST GOLF ROAD SCHAUMBURG, IL 60173 | BLUECROSS BLUESHIELD OF ILLINOIS | $11K | — | $11K | 0.64% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 3390 UNIVERSITY AVE., SUITE 300 RIVERSIDE, CA 92501 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $24K | $16K | $40K | 14.97% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 | 1933 STATE ROUTE 35 - STE 368 BELMAR, NJ 07719 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $9K | — | $9K | 3.33% |
| DS&P INSURANCE SERVICES, INC.3 | 1900 EAST GOLF ROAD SCHAUMBURG, IL 60173 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 2.17% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 203 N LA SALLE ST - FL 20 CHICAGO, IL 60601 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | — | $6K | 16.70% |
| KME INSURANCE BROKERAGE, INC.3 Filed as: KME INS BROKERAGE INC | 125 S WACKER DRIVE - STE 300 CHICAGO, IL 60606 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | — | $4K | 13.25% |
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 | 193 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 195 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ILLINOIS | 257 | $1.7M |
| Dental | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 193 | $265K |
| Vision | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 193 | $265K |
| Life insurance | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 193 | $265K |
| Short-term disability | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 193 | $265K |
| Long-term disability | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 193 | $265K |
| Other(2 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 193 | $298K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 257 | — |
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.