| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FLEXIBLE BENEFIT PLANS, INC.3 Filed as: FLEXIBLE BENEFIT PLANS, LLC | 402 BROADHOLLOW ROAD MELVILLE, NY 11747 | INDEPENDENCE BLUE CROSS | $89K | — | $89K | 2.79% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 203 N LA SALLE ST FLOOR 20 CHICAGO, IL 60601 | INDEPENDENCE BLUE CROSS | $47K | — | $47K | 1.46% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 55 E JACKSON BLVD FL 14 CHICAGO, IL 60604 | HARTFORD LIFE AND ACCIDENT | $30K | $2K | $33K | 17.67% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R. NELLIGAN & ASSOC LLC | 1933 STATE ROUTE 35 STE 368 WALL, NJ 07719 | HARTFORD LIFE AND ACCIDENT | — | $10K | $10K | 5.49% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 1591 GALBRAITH AVE SE GRAND RAPIDS, MI 49546 | HARTFORD LIFE AND ACCIDENT | — | $7K | $7K | 4.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | PO BOX 2158 RIVERSIDE, CA 925162158 | UNITEDHEALTHCARE INSURANCE COMPANY | $18K | $3K | $21K | 11.73% |
| THE WORKSITE GROUP LLC3 | 1900 POLARIS PARKWAY SUITE 450 COLUMBUS, OH 43240 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 15.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDDWEST LTD | 3390 UNIVERSITY AVE., SUITE 300 RIVERSIDE, CA 92501 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $902 | $373 | $1K | 5.65% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R NELLIGAN & ASSOCIATES | 1933 STATE ROUTE 35 STE 368 BELMAR, NJ 07719 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 5.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | OPERATING WEST ACCOUNT PO BOX 2158 RIVERSIDE, CA 92516 | METLIFE LEGAL PLANS | $361 | — | $361 | 9.99% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN OF NEW YORK INC | PO BOX 745841 ATLANTA, GA 30374 | METLIFE LEGAL PLANS | — | $28 | $28 | 0.78% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 55 EAST JACKSON BLVD CHICAGO, IL 60604 | METLIFE LEGAL PLANS | — | $5 | $5 | 0.14% |
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 | 499 | 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) | 499 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | INDEPENDENCE BLUE CROSS | 385 | $3.2M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 1,131 | $175K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 1,131 | $175K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 499 | $185K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 499 | $185K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 499 | $185K |
| Prescription drug | INDEPENDENCE BLUE CROSS | 301 | $503K |
| Other(3 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 499 | $211K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,131 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.