| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 | 55 E JACKSON BLVD CHICAGO, IL 60604 | KAISER FOUNDATION HEALTH PLAN, INC. | $125K | — | $125K | 4.43% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 55 E JACKSON BLVD FL 14 CHICAGO, IL 60604 | METROPOLITAN LIFE INSURANCE COMPANY | $72K | $55 | $72K | 3.49% |
| BSC AGENCY LLC3 | 1025 ASHWORTH RD STE 101 WEST DES MOINES, IA 50265 | METROPOLITAN LIFE INSURANCE COMPANY | $51K | — | $51K | 2.44% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 16253 COLLECTION CENTER DR 40 W MADISON 4TH FL CHICAGO, IL 60693 | METROPOLITAN LIFE INSURANCE COMPANY | — | $34K | $34K | 1.63% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 55 E JACKSON BLVD CHICAGO, IL 60604 | KAISER FOUNDATION HEALTH PLAN, INC. | $87K | — | $87K | 5.07% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | KAISER FOUNDATION HEALTH PLAN, INC. | -$113 | — | -$113 | -0.01% |
| STEALTH PARTNER GROUP LLC3 Filed as: STEALTH PARTNER GROUP | 18940 N PIMA RD SUITE 210 SCOTTSDALE, AZ 85255 | SUN LIFE ASSURANCE OF CANADA | $70K | $26K | $96K | 7.13% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 15162 COLLECTION CENTER DR CHICAGO, IL 60693 | VISION SERVICE PLAN | $6K | — | $6K | 2.40% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 55 E JACKSON BLVD FL 14 CHICAGO, IL 60604 | METROPOLITAN LIFE INSURANCE COMPANY | $36K | $55 | $36K | 15.53% |
| BSC AGENCY LLC3 | 1025 ASHWORTH RD STE 101 WEST DES MOINES, IA 50265 | METROPOLITAN LIFE INSURANCE COMPANY | — | $5K | $5K | 2.33% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST | 16253 COLLECTION CENTER DR 40 W MADISON 4TH FLOOR CHICAGO, IL 60693 | METROPOLITAN LIFE INSURANCE COMPANY | — | $4K | $4K | 1.55% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 500 COUNTRY PINE LANE BATTLE CREEK, MI 49015 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $136K | — | $136K | 109.96% |
| BUSINESSSOLVER INC.5 Filed as: BUSINESSSOLVER | 16260 N. 71ST ST SCOTTSDALE, AZ 85254 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $40K | $40K | 31.84% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 55 E JACKSON BLVD FL 14 CHICAGO, IL 60604 | METROPOLITAN LIFE INSURANCE COMPANY | $19K | $55 | $19K | 15.82% |
| BSC AGENCY LLC3 | 1025 ASHWORTH RD STE 101 WEST DES MOINES, IA 50265 | METROPOLITAN LIFE INSURANCE COMPANY | — | $3K | $3K | 2.37% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 16253 COLLECTIONS CENTER DR 40 W MADISON 4TH FL CHICAGO, IL 60693 | METROPOLITAN LIFE INSURANCE COMPANY | — | $2K | $2K | 1.58% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 55 E JACKSON BLVD CHICAGO, IL 60604 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | -$212 | $11K | $11K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE CO. EIN 59-1031071 NONE | Claims processing; Direct payment from the plan; Float revenue; Named fiduciary; Other services; Contract Administrator; Participant communication; Non-monetary compensation Service code 12 | — | $2.9M |
| HUB INTERNATIONAL MIDWEST LIMITED NONE | Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | 55 E JACKSON BLVD CHICAGO, IL 60604 | $421K |
| THE PRUDENTIAL INSURANCE COMPANY EIN 22-1211670 NONE | Contract Administrator; Claims processing Service code 12 | — | $182K |
| DISCOVERY BENEFITS, INC. EIN 90-0058554 NONE | Contract Administrator; Claims processing Service code 12 | — | $51K |
| CIGNA HEALTH AND LIFE INSRUANCE CO. | Other services; Float revenue; Contract Administrator; Named fiduciary; Non-monetary compensation; Claims processing; Participant communication; Direct payment from the plan Service code 12 | — | $0 |
| CIGNA HEALTH ND LIFE INSURANCE CO. | Other services; Named fiduciary; Float revenue; Claims processing; Participant communication; Contract Administrator; Direct payment from the plan; Non-monetary compensation Service code 12 | — | $0 |
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 | 4,554 | 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) | 4,554 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(6 contracts, 4 carriers) | KAISER FOUNDATION HEALTH PLAN, INC. | 2,708 | $5.5M |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 5,500 | $2.7M |
| Vision | VISION SERVICE PLAN | 2,462 | $267K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 4,338 | $124K |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 4,510 | $408K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 4,510 | $317K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 0 | $0 |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE OF CANADA | 2,608 | $1.3M |
| Other(10 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 4,338 | $560K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,500 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.