| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 | 55 EAST JACKSON BLVD FL 14B CHICAGO, IL 60604 | GUARDIAN | $64K | $13K | $77K | 13.05% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 55 EAST JACKSON BLVD FLOOR 14B CHICAGO, IL 60604 | CONTINENTAL AMERICAN INSURANCE COMPANY | $50K | — | $50K | 29.12% |
| ANGELA SCHIEK3 | 1600 WILLIAMS STREET COLUMBIA, SC 29201 | CONTINENTAL AMERICAN INSURANCE COMPANY | $24K | — | $24K | 14.16% |
| STEPHEN KELLS3 | 514 MAYFAIR COURT GERMANTOWN HILLS, IL 61568 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6K | — | $6K | 3.67% |
| JEFFREY LYNN LAMBERT3 Filed as: JEFFREY L LAMBERT | 15419 W 127TH STREET LEMONT, IL 60439 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5K | — | $5K | 3.08% |
| MARIA J NOVOA3 | 26 COUR D'ALENE PALOS HILLS, IL 60465 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | — | $4K | 2.46% |
| ERENIA CASTELLANOS3 Filed as: ERENIA CASTELLANOS GONZALEZ | 14628 CAPITAL DRIVE PLAINFIELD, IL 60544 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | — | $4K | 2.39% |
| MICHELLE WELTY3 | 1616 MARLBORO LANE CREST HILL, IL 60403 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | — | $4K | 2.20% |
| ROBYN LYNNE MORRIS3 Filed as: ROBYN L MORRIS | 123 CASTEBERRY ROAD INDIAN SPRINGS, AL 35124 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 0.76% |
| REID ALFORD3 | 4505 PINE TREE CIRCLE STE. 201 BIRMINGHAM, AL 35243 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 0.63% |
| MARCIN ZUREK3 | 15419 W 127TH STREET LEMONT, IL 60439 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 0.59% |
| SUMMER L CAIN3 | 1620 ABINGTON LANE NORTH AURORA, IL 60542 | CONTINENTAL AMERICAN INSURANCE COMPANY | $986 | — | $986 | 0.57% |
| CHAD L NELSON3 | 490 EAST ROOSEVELT ROAD WEST CHICAGO, IL 60185 | CONTINENTAL AMERICAN INSURANCE COMPANY | $793 | — | $793 | 0.46% |
| MKF & ASSOCIATES INC3 Filed as: MKF & ASSOCIATES, INC. | 156 TUSKAWILLA STE. 2352 WINTER SPRINGS, FL 32708 | CONTINENTAL AMERICAN INSURANCE COMPANY | $371 | — | $371 | 0.22% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUECROSS BLUESHIELD EIN 63-0103830 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $336K |
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 | 542 | 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) | 542 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | GUARDIAN | 542 | $590K |
| Vision | GUARDIAN | 542 | $590K |
| Life insurance | GUARDIAN | 542 | $590K |
| Short-term disability(2 contracts, 2 carriers) | GUARDIAN | 542 | $761K |
| Long-term disability | GUARDIAN | 542 | $590K |
| Other | GUARDIAN | 542 | $590K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 542 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.