| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 | 1411 OPUS PL., STE 450 DOWNERS GROVE, IL 60515 | UNITEDHEALTHCARE INSURANCE COMPANY | $6K | $80K | $85K | 2.53% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST INC. | ONE WORLD FINANCIAL CENTER 200 LIBERTY ST, FL. 6 NEW YORK, NY 10281 | UNITEDHEALTHCARE INSURANCE COMPANY | $3K | $62K | $64K | 1.90% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 15162 COLLECTION CENTER DR CHICAGO, IL 60693 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | $4K | $11K | 12.05% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST INC. | 100 W. MATSONFORD RD, STE 200 RADNOR, PA 19087 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | — | $7K | 7.26% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 15162 COLLECTION CENTER DR CHICAGO, IL 60693 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $3K | $7K | 13.55% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST INC. | 100 W. MATSONFORD RD, STE 200 RADNOR, PA 19087 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | — | $4K | 7.22% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 15162 COLLECTION CENTER DR CHICAGO, IL 60693 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $3K | $6K | 12.18% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST INC. | 100 W. MATSONFORD RD, STE 200 RADNOR, PA 19087 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | — | $4K | 7.64% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 15162 COLLECTION CENTER DR CHICAGO, IL 60693 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $2K | $4K | 12.72% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST INC. | 100 W. MATSONFORD RD, STE 200 RADNOR, PA 19087 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 7.03% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 15162 COLLECTION CENTER DR CHICAGO, IL 60693 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $3K | $4K | 17.81% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST INC. | 100 W. MATSONFORD RD, STE 200 RADNOR, PA 19087 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 7.70% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 15162 COLLECTION CENTER DR CHICAGO, IL 60693 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $2K | $4K | 16.41% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST INC. | 100 W. MATSONFORD RD, STE 200 RADNOR, PA 19087 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 8.01% |
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 | 744 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 32 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 778 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 822 | $3.4M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 822 | $3.4M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 822 | $3.4M |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 383 | $88K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 131 | $53K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 383 | $91K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 822 | $3.4M |
| Other(4 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 383 | $136K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 822 | — |
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.