| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 | — | BLUECROSS BLUESHIELD OF ILLINOIS | $108K | $5K | $113K | 2.09% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 55 EAST JACKSON BOULEVARD CHICAGO, IL 60604 | DEARBORN LIFE INSURANCE COMPANY | $71K | — | $71K | 21.77% |
| RESOURCE BROKERAGE LLC3 | 1501 EAST WOODFIELD ROAD SUITE 110E SCHAUMBURG, IL 60173 | DEARBORN LIFE INSURANCE COMPANY | — | $17K | $17K | 5.07% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LIMI | 1850 WEST WINCHESTER ROAD #103 LIBERTYVILLE, IL 60048 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $36K | — | $36K | 12.46% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | PO BOX 2158 RIVERSIDE, CA 92516 | VISION SERVICE PLAN | $2K | — | $2K | 4.18% |
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 | 623 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 624 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ILLINOIS | 682 | $5.4M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 471 | $292K |
| Vision | VISION SERVICE PLAN | 405 | $38K |
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 626 | $326K |
| Short-term disability | DEARBORN LIFE INSURANCE COMPANY | 626 | $326K |
| Long-term disability | DEARBORN LIFE INSURANCE COMPANY | 626 | $326K |
| Other(2 contracts, 2 carriers) | DEARBORN LIFE INSURANCE COMPANY | 626 | $618K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 682 | — |
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.