| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 | 55 E JACKSON BLVD 12TH FLOOR CHICAGO, IL 60604 | CIGNA | $78K | — | $78K | 14.00% |
| BENEFIT ADMINISTRATIVE SYSTEMS, LLC3 | 17475 JOVANNA DRIVE HOMEWOOD, IL 60430 | CIGNA | $6K | — | $6K | 1.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 55 E JACKSON 14B CHICAGO, IL 60604 | HARTFORD LIFE AND ACCIDENT | $8K | $8K | $16K | 11.21% |
| JENNINGS INSURANCE SERVICES3 Filed as: JENNINGS INS SERVICES DBA | PREPARE BENEFITS 10524 MOSS PARK RD #204-306 ORLANDO, FL 32832 | HARTFORD LIFE AND ACCIDENT | $11K | — | $11K | 8.02% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES R NELLIGAN & ASSOC LLC | 2338 IMMOKALEE ROAD SUITE 240 NAPLES, FL 34110 | HARTFORD LIFE AND ACCIDENT | — | $9K | $9K | 6.29% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 15162 COLLECTION CENTER DR CHICAGO, IL 606930001 | VISION SERVICE PLAN | $1K | — | $1K | 4.82% |
| EMPLOYEE NAVIGATOR, LLC3 | 7979 OLD GEORGETOWN RD STE 300 BETHESDA, MD 208142554 | VISION SERVICE PLAN | $111 | — | $111 | 0.50% |
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 | 397 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 402 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA | 214 | $560K |
| Dental | CIGNA | 214 | $560K |
| Vision | VISION SERVICE PLAN | 173 | $22K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 397 | $139K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 397 | $139K |
| Stop-loss / reinsurancereinsurance | CIGNA | 214 | $560K |
| Other | HARTFORD LIFE AND ACCIDENT | 397 | $139K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 397 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.