| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 | 55 E JACKSON BLVD 14TH FLOOR A CHICAGO, IL 60604 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $123K | $17K | $140K | 5.42% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 55 E JACKSON BLVD 14TH FLOOR A CHICAGO, IL 60604 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | — | $15K | $15K | 0.86% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | EMPLOYEE BENEFITS DEPT 55 E JACKSON BLVD #14A CHICAGO, IL 60604 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $71K | $2K | $73K | 9.33% |
| MARK C KENDALL3 | 55 E JACKSON BLVD., STE 14A CHICAGO, IL 60604 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $60K | — | $60K | 7.60% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST | 15162 COLLECTIONS CTR DR CHICAGO, IL 60693 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $10K | $10K | 1.26% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST | 15162 COLLECTIONS CTR DR CHICAGO, IL 60693 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $1K | $1K | 0.13% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | EMPLOYEE BENEFITS DEPT 55 E JACKSON BLVD #14A CHICAGO, IL 60604 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $21K | $592 | $22K | 17.56% |
| MARK C KENDALL3 Filed as: MARK C. KENDALL | 55 E JACKSON., STE 14A CHICAGO, IL 60604 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $7K | — | $7K | 5.88% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST | 15162 COLLECTION CTR DR CHICAGO, IL 60693 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $1K | $1K | 0.84% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST | 15162 COLLECTIONS CTR DR CHICAGO, IL 60693 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $323 | $323 | 0.26% |
| CSIG INS AGENCY OF IL INC3 | 55 E JACKSON BLVD CHICAGO, IL 60604 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $3K | — | $3K | 8.48% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 55 E JACKSON STE 14B CHICAGO, IL 60604 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $719 | $84 | $803 | 2.45% |
| HOOPIS PETER H3 Filed as: HOOPIS, PETER H | 300 S WACKER DR STE 2000 CHICAGO, IL 606066736 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $152 | $563 | $715 | 2.18% |
| PEARRE DAVID A II3 | 101 WAUKEGAN RD STE 990 LAKE BLUFF, IL 600441687 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $434 | — | $434 | 1.33% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | EMPLOYEE BENEFITS DEPT 55 E JACKSON BLVD #14A CHICAGO, IL 60604 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $45 | $2K | 12.05% |
| MARK C KENDALL3 | 55 E JACKSON BLVD STE 14 A CHICAGO, IL 60604 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 6.17% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST | 15162 COLLECTIONS CTR DR CHICAGO, IL 60693 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $181 | $181 | 0.96% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST | 15162 COLLECTIONS CTR DR CHICAGO, IL 60693 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $26 | $26 | 0.14% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL OF IN LTD | PO BOX 2167 GRAND RAPIDS, MI 49501 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $1K | $85 | $1K | 9.08% |
| MARK C KENDALL3 | 55 E JACKSON BLVD., STE 14A CHICAGO, IL 60604 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $932 | — | $932 | 6.71% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST | 15162 COLLECTION CTR DR CHICAGO, IL 60693 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | — | $146 | $146 | 1.05% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| LINCOLN FINANCIAL GROUP EIN 04-6076039 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $119K |
| LINCOLN LIFE ASSURANCE CO OF BOSTON EIN 04-6076039 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $96K |
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 | 4,453 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 412 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 4,865 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 4,453 | $2.6M |
| Long-term disability(2 contracts, 2 carriers) | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 4,453 | $1.7M |
| Other(5 contracts, 3 carriers) | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 4,924 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,924 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.