| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 | 203 N. LA SALLE STREET FLOOR 20 CHICAGO, IL 60601 | BLUE SHIELD OF CALIFORNIA | — | $49K | $49K | 5.26% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 203 N. LA SALLE STREET FLOOR 20 CHICAGO, IL 60601 | BLUE SHIELD OF CALIFORNIA | — | $52 | $52 | 0.01% |
| DAVID J DIMARIA3 Filed as: DAVID DIMARIA | 130 N BRAND BLVD STE 310 GLENDALE, CA 91203 | BLUE SHIELD OF CALIFORNIA | — | -$779 | -$779 | -0.08% |
| DAVID J DIMARIA3 Filed as: DAVID DIMARIA | 130 N BRAND BLVD STE 310 GLENDALE, CA 91203 | BLUE SHIELD OF CALIFORNIA | — | -$15K | -$15K | -1.58% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 203 N LA SALLE STREET, FLOOR 20 CHICAGO, IL 60601 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $66 | $7K | 5.38% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 55 E JACKSON BLVD CHICAGO, IL 606044466 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $2K | $6K | 5.26% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 | 1933 STATE ROUTE 35 SUITE 368 CHICAGO, NJ 606945287 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $18 | $4K | 3.55% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 | 1933 STATE ROUTE 35 STE 368 WALL, NJ 077193502 | METROPOLITAN LIFE INSURANCE COMPANY | — | $1K | $1K | 0.90% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 16253 COLLECTION CENTER DR 40 W MADISON 4TH FL BANK OF AMERICA CHICAGO, IL 606930162 | METROPOLITAN LIFE INSURANCE COMPANY | — | $982 | $982 | 0.81% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | PO BOX 3009 ARLINGTON HEIGHTS, IL 600063009 | METROPOLITAN LIFE INSURANCE COMPANY | — | $61 | $61 | 0.05% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 55 E JACKSON BLVD CHICAGO, IL 60604 | KAISER FOUNDATION HEALTH PLAN, INC. | $279 | — | $279 | 3.51% |
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 | 253 | 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) | 253 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE SHIELD OF CALIFORNIA | 162 | $935K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 253 | $121K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 253 | $121K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 253 | $121K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 253 | $121K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 253 | $121K |
| Prescription drug | BLUE SHIELD OF CALIFORNIA | 162 | $935K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 253 | $121K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 253 | — |
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.