| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 | 55 E JACKSON BLVD CHICAGO, IL 60604 | BLUECROSS BLUESHIELD OF ILLINOIS | $122K | $2K | $125K | 3.96% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | PO BOX 2167 GRAND RAPIDS, MI 49501 | SUN LIFE ASSURANCE COMPANY OF CANADA | $53K | $4K | $57K | 21.80% |
| CENTRO BENEFITS RESEARCH LLC3 | 200 GALLERIA PKWY SE SUITE 1950 ALTANTA, GA 30339 | SUN LIFE ASSURANCE COMPANY OF CANADA | $197 | — | $197 | 0.08% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | EMPLOYEE BENEFITS DEPT 55 E JACKSON BLVD #14A CHICAGO, IL 60604 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | — | $9K | 28.81% |
| AXION RMS LTD3 | 2651 WARRENVILLE ROAD SUITE 200 DOWNERS GROVE, IL 60515 | UNUM LIFE INSURANCE COMPANY OF AMERICA | -$2K | — | -$2K | -6.96% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST WEST | PO BOX 2167 GRAND RAPIDS, MI 49501 | DELTA DENTAL OF ILLINOIS | $13K | — | $13K | 46.25% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 15162 COLLECTION CENTER DR CHICAGO, IL 606930001 | VISION SERVICE PLAN | $2K | — | $2K | 9.21% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | EMPLOYEE BENEFITS DEPT 55 E JACKSON BLVD #14A CHICAGO, IL 60604 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 28.38% |
| AXION RMS LTD3 Filed as: AXION RMS, LTD | 2651 WARRENVILLE RD STE 200 DOWNERS GROVE, IL 60515 | UNUM LIFE INSURANCE COMPANY OF AMERICA | -$376 | — | -$376 | -7.32% |
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 | 237 | 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) | 237 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ILLINOIS | 506 | $3.2M |
| Dental | DELTA DENTAL OF ILLINOIS | 205 | $29K |
| Vision | VISION SERVICE PLAN | 176 | $23K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 237 | $260K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 237 | $260K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 237 | $260K |
| Other(3 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 237 | $296K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 506 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.