| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 | 55 E JACKSON BLVD 14TH FLOOR A CHICAGO, IL 60604 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $79K | $23K | $102K | 4.41% |
| FST ASSOCIATES INC3 Filed as: FST ASSOCIATED DBA LAURUS STRAT. | 55 W MONROE, STE. 500 CHICAGO, IL 60603 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $26K | $21K | $47K | 2.03% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 55 E JACKSON BLVD 14TH FLOOR A CHICAGO, IL 60604 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | — | $16K | $16K | 0.99% |
| FST ASSOCIATES INC3 Filed as: FST ASSOCIATED DBA LAURUS STRATEGIE | 55 W MONROE, SUITE 500 CHICAGO, IL 60603 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | — | $16K | $16K | 0.97% |
| MARK C KENDALL3 | 55 WEST MONROE STE 500 CHICAGO, IL 60603 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $46K | — | $46K | 19.13% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST | 15162 COLLECTIONS CENTER DRIVE CHICAGO, IL 60693 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $19K | $19K | 7.72% |
| CSIG INS AGENCY OF IL INC3 | 55 W MONROE ST STE 500 CHICAGO, IL 60603 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $11K | — | $11K | 11.56% |
| PEARRE DAVID A II3 | 101 WAUKEGAN RD STE 990 LAKE BLUFF, IL 60044 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $2K | — | $2K | 2.13% |
| JOHN C FITZPATRICK3 | 2200 GENOA BUSINESS PARK DRIVE BRIGHTON, MI 48114 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $574 | — | $574 | 0.60% |
| PETER H HOOPIS3 | 300 S WACKER STE., 2000 CHICAGO, IL 60606 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | — | $81 | $81 | 0.08% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 55 E JACKSON BLVD, 14TH FLOOR A CHICAGO, IL 60604 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $2K | $637 | $2K | 5.93% |
| FST ASSOCIATES INC3 Filed as: FST ASSOCIATED DBA LAURUS STRATEGIE | 55 W MONROE, SUITE 500 CHICAGO, IL 60603 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | — | $624 | $624 | 1.62% |
| MARK C KENDALL3 | 55 WEST MONROE SUITE 500 CHICAGO, IL 60603 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $5K | — | $5K | 49.77% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST | 15162 COLLECTION CENTER DRIVE CHICAGO, IL 60693 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $2K | $2K | 20.81% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 55 E JACKSON BLVD., #14A CHICAGO, IL 60604 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $561 | $561 | 5.43% |
| MARK C KENDALL3 | 55 W MONROE SUITE 500 CHICAGO, IL 60604 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 20.48% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 55 E JACKSON BLVD CHICAGO, IL 60604 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $728 | $728 | 7.18% |
| CSIG INS AGENCY OF IL INC3 Filed as: CSIG AGENCY OF IL, INC. | 55 W MONROE ST., SUITE 500 CHICAGO, IL 60603 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $355 | — | $355 | 16.01% |
| PEARRE DAVID A II3 Filed as: PEARRE, DAVID A II | 101 WAUKEGAN ROAD, STE. 990 LAKE BLUFF, IL 60044 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $51 | — | $51 | 2.30% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| LIBERTY MUTUAL INSURANCE EIN 04-6076039 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $107K |
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 | 5,311 | 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) | 5,311 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 5,311 | $2.3M |
| Short-term disability(4 contracts, 3 carriers) | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 167 | $81K |
| Long-term disability(4 contracts, 3 carriers) | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 5,311 | $1.9M |
| Other | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 5,311 | $2.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,311 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.