| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LASALLE BENEFITS LLC3 | 40 SKOKIE BLVD SUITE 240 NORTHBROOK, IL 60062 | BLUECROSS BLUESHIELD OF ILLINOIS | $91K | $1K | $92K | 1.95% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 3390 UNIVERSITY AVE, SUITE 300 RIVERSIDE, CA 92501 | BLUECROSS BLUESHIELD OF ILLINOIS | $75K | — | $75K | 1.58% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 3390 UNVERISTY AVE., SUITE 300 RIVERSIDE, CA 92501 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 1.55% |
| LASALLE BENEFITS LLC3 | 876 KIMBALL ROAD HIGHLAND PARK, IL 60035 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 1.52% |
| LASALLE BENEFITS LLC3 | 40 SKOKIE BLVD SUITE 14A CHICAGO, IL 600621601 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $6K | — | $6K | 7.49% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 3390 UNVERISTY AVE., SUITE 300 RIVERSIDE, CA 92501 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $2K | — | $2K | 2.83% |
| LASALLE BENEFITS LLC3 | STE 240 40 SKOKIE BLVD NORTHBROOK, IL 60062 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $942 | $6K | 7.60% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | EMPLOYEE BENEFITS DEPT 55 E JACKSON BLVD #14A CHICAGO, IL 60604 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $957 | $4K | 4.96% |
| LASALLE BENEFITS LLC3 | 40 SKOKIE BLVD STE 240 NORTHBROOK, IL 60062 | UNUM INSURANCE COMPANY | $2K | $274 | $2K | 11.16% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | EMPLOYEE BENEFITS DEPT 55 E JACKSON BLVD #14A CHICAGO, IL 60604 | UNUM INSURANCE COMPANY | $1K | $358 | $1K | 6.86% |
| LASALLE BENEFITS LLC3 | STE 240 40 SKOKIE BLVD NORTHBROOK, IL 60062 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $741 | $99 | $840 | 14.09% |
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 | 239 | 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) | 239 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | BLUECROSS BLUESHIELD OF ILLINOIS | 504 | $4.8M |
| Dental(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 239 | $425K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 239 | $344K |
| Life insurance(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 239 | $350K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 235 | $74K |
| Other(4 contracts, 4 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 239 | $451K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 504 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.