Hub International Limited
Updated Filing received by DOL
Hub International Limited, a finance & insurance employer in Oakbrook Terrace, Illinois, reported 12,225 participants in its health and welfare plan for plan year 2024. Its Form 5500 shows $106M in insurance premiums across 13 contracts and $2.6M in broker commissions and fees. The plan is a mix of insured and self-funded coverage. The Department of Labor received the filing on October 2, 2025, within the extension window.
Who was paid on Hub International Limited's plan
Schedule A, Part I lists each broker or agent paid on each insurance contract and the amount. Totals below add every contract Hub International Limited filed for 2024.
| Broker or agent | Commissions | Fees | Total | Contracts |
|---|---|---|---|---|
| HUB International · Metairie, LA | $1,515,574 | $1,092,492 | $2,608,066 | 12 |
| Ifc National Marketing · Oakbrook Terrace, IL | $2,070 | $0 | $2,070 | 1 |
| Buddy Insurance · Oakbrook Terrace, IL | $1,217 | $0 | $1,217 | 1 |
Source: DOL Form 5500 Schedule A, Part I (broker commissions and fees), plan year 2024, as published in EBSA's 2024 "Latest" dataset. Part I names whoever the carrier paid, which can be a firm or an individual agent; both are public record. Amounts exclude pay from carriers not tied to a listed contract.
Insurance contracts and carriers
Every insurance contract reported on Schedule A: carrier, what it covers, people covered at year end, earned premium, and broker compensation.
| Carrier · coverage | Covered | Premium | Broker pay | Rate |
|---|---|---|---|---|
| Blue Cross Blue Shield of Illinoishealth | 18,827 | $106M | $849,247 | 0.8% |
| Metlife Legal Planscoverage not coded | 959 | — | $24,063 | — |
| Vision Service Planvision | 8,665 | — | — | — |
| Prime Therapeutics Management, LLCprescription drug | — | — | — | — |
| National Union Fire Ins. Co. of Pittsburgh, PAcoverage not coded | 13,200 | — | $343 | — |
| Reliastar Life Insurance Companycoverage not coded | 4,772 | — | $210,249 | — |
| Telus Healthcoverage not coded | 12,231 | — | — | — |
| Payermatrixprescription drug | — | — | — | — |
| Combined Insurancecoverage not coded | 188 | — | $28,336 | — |
| Blue Cross Blue Shield of Ildental | 21,315 | — | $495,610 | — |
| Kaiser Foundation Health Plan, Inc.health, prescription drug, HMO | 782 | — | $414,185 | — |
| First Unum Life Insurance Companycoverage not coded | 267 | — | — | — |
| Hartford Life and Accidentlife | 13,200 | — | $589,320 | — |
Source: DOL Form 5500 Schedule A, plan year 2024. Self-funded medical coverage has no premium; amounts shown for it are stop-loss or administrative contracts.
How Hub International Limited compares
Medians across employers for plan year 2024, the most recent complete year. Commission rates use fully insured medical contracts only; dollar medians use every employer that disclosed broker pay.
Not computable: no insured medical premium on the filing.
Premium per covered person on medical contracts: $5,616 a year (national median $7,274).
Source: BenefitsLedger benchmarks from 58,547 employer health plans with 100 or more participants, plan year 2024. Methodology.
Year over year
| 2023 | 2024 | Change | |
|---|---|---|---|
| Participants | 10,684 | 12,225 | +14.4% |
| Premiums filed | $0 | $105,740,693 | not comparable |
| Broker commissions + fees | $1,046,093 | $2,611,353 | +149.6% |
| Commission rate | — | — | — |
Source: DOL Form 5500 filings for plan years 2023 and 2024.
Filings and timeliness
Plans this employer filed under its EIN with a health benefit code. Large plans are due seven months after the plan year ends, or two and a half months later with an extension; amended filings carry the amendment date, so no timing is asserted for them.
| Plan | Plan year end | Received by DOL | Timing | Participants |
|---|---|---|---|---|
| Hub International Limited Welfare Benefit Plan#501 · insurance, general assets | December 31, 2024 | October 2, 2025 | within extension | 12,225 |
Source: DOL Form 5500 Part I and signature dates; "late" means received after the extended deadline (the 15th day of the tenth month after plan year end). What a late Form 5500 costs.
How much did Hub International Limited pay in health insurance broker commissions in 2024?
Hub International Limited's 2024 Form 5500 reports $2,611,353 in broker commissions and fees across 13 insurance contracts ($1,518,861 in commissions, $1,092,492 in fees), with HUB International receiving the largest share.
Is Hub International Limited's health plan self-funded or fully insured?
The 2024 filing indicates the plan is a mix of insured and self-funded coverage. Medical coverage is written by Blue Cross Blue Shield of Illinois, Kaiser Foundation Health Plan, Inc..
How does Hub International Limited's broker compensation compare with similar employers?
A commission-to-premium ratio cannot be computed for Hub International Limited because the filing does not report medical premium on Schedule A (usual for self-funded plans). In dollars, employers with 5,000+ participants that disclosed broker pay reported a median of $458,262.
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Record built October 24, 2026 from U.S. Department of Labor, EBSA Form 5500 datasets (2025, 2024, 2023 plan years, 'Latest' files). Filings can run 7 to 10 months behind the plan year; always confirm against current plan documents. BenefitsLedger is not affiliated with the U.S. Department of Labor. Open the DOL filing search.