| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 | 55 EAST JACKSON BOULEVARD SUITE 600 CHICAGO, IL 60604 | BLUE CROSS BLUE SHIELD OF ILLINOIS | $86K | $3K | $89K | 2.01% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 55 E JACKSON BLVD CHICAGO, IL 60604 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | — | $6K | 2.16% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 16253 COLLECTION CENTER DRIVE CHICAGO, IL 60693 | METROPOLITAN LIFE INSURANCE COMPANY | — | $6K | $6K | 2.00% |
| FST ASSOCIATION INC3 | 55 E JACKSON BLVD STE 1400 CHICAGO, IL 60604 | METROPOLITAN LIFE INSURANCE COMPANY | $437 | $374 | $811 | 0.27% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INS SERVICES INC | 1250 S CAPITAL OF TEXAS HWY BLDG 2 AUSTIN, TX 78746 | METROPOLITAN LIFE INSURANCE COMPANY | — | $12 | $12 | 0.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 55 E JACKSON BLVD FL 14 CHICAGO, IL 60604 | METROPOLITAN LIFE INSURANCE COMPANY | -$5K | — | -$5K | -1.51% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 55 EAST JACKSON FL 12 CHICAGO, IL 60604 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $18K | $8K | $26K | 18.90% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 15162 COLLECTION CENTER DRIVE CHICAGO, IL 606930001 | VISION SERVICE PLAN | $2K | — | $2K | 4.14% |
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 | 12 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 249 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF ILLINOIS | 680 | $4.4M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 940 | $299K |
| Vision | VISION SERVICE PLAN | 247 | $39K |
| Life insurance | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 237 | $135K |
| Long-term disability | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 237 | $135K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF ILLINOIS | 680 | $4.4M |
| Other | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 237 | $135K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 940 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.