| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 | 55 E JACKSON BLVD CHICAGO, IL 60604 | BLUECROSS BLUESHIELD OF ILLINOIS | $105K | $3K | $108K | 4.01% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST WEST | 201 N CONSTITUTION DRIVE AURORA, IL 60506 | DELTA DENTAL OF ILLINOIS | $13K | — | $13K | 10.37% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 55 EAST JACKSON BOULEVARD CHICAGO, IL 60604 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $5K | $3K | $9K | 10.36% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 55 E JACKSON BLVD 12TH FLOOR CHICAGO, IL 60604 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $6K | $769 | $7K | 22.55% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | EMP BENEFITS DEPT 55 E JACKSON BLVD CHICAGO, IL 60604 | UNION SECURITY INSURANCE COMPANY | $4K | — | $4K | 14.03% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 15162 COLLECTION CENTER DR CHICAGO, IL 60693 | VISION SERVICE PLAN | $953 | — | $953 | 5.48% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | EMP BENEFITS DEPT 55 E JACKSON BLVD CHICAGO, IL 60604 | UNION SECURITY INSURANCE COMPANY | $2K | — | $2K | 17.79% |
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 | 500 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 503 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ILLINOIS | 509 | $2.7M |
| Dental | DELTA DENTAL OF ILLINOIS | 260 | $123K |
| Vision | VISION SERVICE PLAN | 238 | $17K |
| Life insurance(2 contracts, 2 carriers) | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 500 | $59K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 464 | $86K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 464 | $86K |
| Prescription drug | BLUECROSS BLUESHIELD OF ILLINOIS | 509 | $2.7M |
| Other(3 contracts, 2 carriers) | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 500 | $71K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 509 | — |
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.