| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 | 55 E JACKSON BLVD CHICAGO, IL 60604 | BLUE CROSS BLUE SHIELD OF ILLINOIS | $103K | $24K | $127K | 1.04% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 203 N LA SALLE STREET, 20TH FLOOR CHICAGO, IL 806044466 | BLUECROSS BLUESHIELD OF ILLINOIS | $14K | $16K | $30K | 6.10% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 55 E JACKSON BLVD 14TH FL STE 14A CHICAGO, IL 60604 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $22K | — | $22K | 6.09% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $478 | $478 | 0.13% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $233 | $233 | 0.14% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATINAL MIDWEST LIMITED | PO BOX 2167 GRAND RAPIDS, MI 49501 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO | $11K | — | $11K | 13.44% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 55 E JACKSON BLVD CHICAGO, IL 60604 | FLORIDA COMBINED LIFE | $4K | — | $4K | 5.10% |
| TONYA L CELESTE3 | 61 MAURICE ST MANCHESTER, NH 03842 | AFLAC | $437 | — | $437 | 2.65% |
| ROBERT CHARLES CELESTE3 Filed as: ROBERT CELESTE JR | 61 MAURICE ST MANCHESTER, NH 03103 | AFLAC | $426 | — | $426 | 2.58% |
| JONATHAN BURGESS3 | 333 ROUTE 129 LOUDON, NH 03307 | AFLAC | $221 | — | $221 | 1.34% |
| THOMAS JOHN KELLY3 | 417 OCEAN BLVD HAMPTON, NH 03842 | AFLAC | $167 | — | $167 | 1.01% |
| JOAN FAULKNER3 | 22 ABIGAIL WAY SCARBOROUGH, ME 04074 | AFLAC | $155 | — | $155 | 0.94% |
| LISA DONOVAN3 | 13 ROCKY POINT RD WESTFORD, MA 03825 | AFLAC | $97 | — | $97 | 0.59% |
| BENEDIKT N MASON3 Filed as: BENEDIKT MASON | 17 LITTLE BEAR HILL RD WESTFORD, MA 01886 | AFLAC | $84 | — | $84 | 0.51% |
| HANA M MUELLER3 | PO BOX 283 STANDFORD, IL 61774 | AFLAC | $57 | — | $57 | 0.35% |
| LILLY GREEN3 | 3007 CARLENE DR BLOOMINGTON, IL 61704 | AFLAC | $55 | — | $55 | 0.33% |
| RYAN P SMITH3 | 2340 S ARLINGTON HEIGHTS RD STE 204 ARLINGTON HEIGHTS, IL 60005 | AFLAC | $27 | — | $27 | 0.16% |
| MARK L RHODES3 | 225 E CRESTWOOD ST MORTON, IL 61550 | AFLAC | $27 | — | $27 | 0.16% |
| MAYNARD M. YOUNG3 Filed as: MAYNARD M YOUNG | 20 HOBBS RD EFFINGHAM, NH 03882 | AFLAC | $20 | — | $20 | 0.12% |
| REGINALD LEE CORBETT3 | 1301 ALTON WOODS DR CONCORD, NH 03301 | AFLAC | $19 | — | $19 | 0.12% |
| ROBERT A BROCK3 | PO BOX 17 FORSYTH, IL 62535 | AFLAC | $18 | — | $18 | 0.11% |
| JAMES M BROCK3 | 3116 WILLIAMSON COUNTY PKWY MARION, IL 62959 | AFLAC | $9 | — | $9 | 0.05% |
| CHRISTINE L BREWSTER3 | 701 CEDAR ST MCKINNEY, TX 75069 | AFLAC | $7 | — | $7 | 0.04% |
| TERRANCE M BRENNAN3 | 605 N PARK AVE CHATHAM, IL 62629 | AFLAC | $6 | — | $6 | 0.04% |
| TERRY J SILVERS3 | 100 GREENLEAF DR FLAT ROCK, NC 28731 | AFLAC | $6 | — | $6 | 0.04% |
| JENNIFER L HENRY3 | 68 MASSABESIC DR AUBURN, NH 03032 | AFLAC | $3 | — | $3 | 0.02% |
| MELISSA NELSON3 | 49 BIRCHWOOD DR ALLENSTOWN, NH 03275 | AFLAC | $3 | — | $3 | 0.02% |
| GARY W WARE JR3 | 3103 MEADOWBROOK DR CHAMPAIGN, IL 61822 | AFLAC | $3 | — | $3 | 0.02% |
| CHRISTIE MARZARI3 | 3343 LANELL LN PEARL, MS 39208 | AFLAC | $2 | — | $2 | 0.01% |
| BRIAN R KIMMEL3 | 309 BRAESWICK DR LAKE ST LOUIS, MO 62951 | AFLAC | $1 | — | $1 | 0.01% |
| KYLE J HORN3 | 2222 W GERALD CT PEORIA, IL 61615 | AFLAC | $1 | — | $1 | 0.01% |
| TRAVIS COCKBURN3 | PO BOX 335 JOHNSTON CITY, IL 62951 | AFLAC | $1 | — | $1 | 0.01% |
| DIANN KRZCIOK3 | 17295 SHARON RD CHESANING, MI 48616 | AFLAC | $1 | — | $1 | 0.01% |
| GEORGE P OWENS3 Filed as: GEORGE OWENS | 653 N ANTLER DR MT ZION, IL 62549 | AFLAC | $1 | — | $1 | 0.01% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC | 200 E RANDOLPH ST 13TH FLOOR CHICAGO, IL 60601 | FEDERAL INSURANCE COMPANY | $824 | — | $824 | 15.00% |
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 | 1,237 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 10 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,247 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF ILLINOIS | 1,228 | $572K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO | 1,847 | $81K |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,237 | $356K |
| Short-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,237 | $0 |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,237 | $170K |
| Other(4 contracts, 4 carriers) | AFLAC | 1,237 | $23K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,848 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.