| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FST ASSOCIATION INC3 | 55 E JACKSON BLVD STE 1400 CHICAGO, IL 606044466 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $111K | $111K | 1.46% |
| FST ASSOCIATES INC3 Filed as: FST ASSOC DBA LAURUS STRATEGIES | 55 W MONROE SUITE 500 CHICAGO, IL 60603 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $123K | $79K | $203K | 3.94% |
| HEALTH CARE SERVICES CORP0 | 300 E. RANDOLPH ST CHICAGO, IL 60601 | FOUR EVER LIFE INS CO. | $34K | — | $34K | 2.00% |
| FST ASSOCIATION INC3 | 55 E JACKSON BLVD STE 1400 CHICAGO, IL 606044466 | METROPOLITAN LIFE INSURANCE COMPANY | $57K | $15K | $73K | 7.78% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 55 E JACKSON BLVD CHICAGO, IL 606044466 | METROPOLITAN LIFE INSURANCE COMPANY | $17K | — | $17K | 1.80% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 55 E JACKSON BLVD CHICAGO, IL 60604 | HYATT LEGAL PLANS | $25K | — | $25K | 4.17% |
| FST ASSOCIATES INC3 Filed as: FST ASSOCIATES D/B/A LAURUS STRATEG | 55 WEST MONROE SUITE 500 CHICAGO, IL 60603 | HYATT LEGAL PLANS | $16K | $4K | $20K | 3.33% |
| FST ASSOCIATION INC3 | 55 E JACKSON BLVD STE 1400 CHICAGO, IL 60604 | HYATT LEGAL PLANS | $12K | $1K | $13K | 2.23% |
| FST ASSOCIATION INC3 | 55 E JACKSON BLVD STE 1400 CHICAGO, IL 606044466 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $309 | $2K | 8.12% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 55 E JACKSON BLVD CHICAGO, IL 606044466 | METROPOLITAN LIFE INSURANCE COMPANY | $309 | — | $309 | 1.65% |
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 | 13,757 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6,912 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 238 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 20,907 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | FOUR EVER LIFE INS CO. | 521 | $1.7M |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 31,801 | $9.3M |
| Vision | COMBINED INSURANCE COMPANY OF AMERICA | 10,243 | $1.4M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 31,801 | $7.6M |
| Long-term disability | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 14,844 | $5.1M |
| Prescription drug | FOUR EVER LIFE INS CO. | 521 | $1.7M |
| Other(5 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 31,801 | $9.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 31,801 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.