| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW INSURANCE SERVICES INC. | 353 N. CLARK ST. CHICAGO, IL 60654 | BLUECROSS BLUESHIELD OF ILLINOIS | $26K | $3K | $28K | 3.81% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST | 55 E. JACKSON BLVD. FL 14 CHICAGO, IL 606044466 | BLUECROSS BLUESHIELD OF ILLINOIS | — | $5K | $5K | 0.65% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT/MESIROW INSURANCE SERVICES | 353 N. CLARK ST. STE. 400 CHICAGO, IL 606543452 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $2K | $6K | 10.06% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 55 E. JACKSON BLVD. FL 14 CHICAGO, IL 606044466 | METROPOLITAN LIFE INSURANCE COMPANY | $770 | — | $770 | 1.38% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 40 W. MADISON 4TH FL BANK OF AMERICA LOCK BOX SVCS. CHICAGO, IL 606930162 | METROPOLITAN LIFE INSURANCE COMPANY | — | $208 | $208 | 0.37% |
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 | 195 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 195 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ILLINOIS | 195 | $746K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 162 | $56K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 195 | — |
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.
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.