| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | EMPLOYEE BENEFITS DEPARTMENT 55 E JACKSON BLVD #14A CHICAGO, IL 60604 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $53K | $11K | $64K | 4.73% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | 160 FEDERAL ST BOSTON, MA 02110 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $19K | $4K | $24K | 1.75% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | EMPLOYEE BENEFITS DEPARTMENT 55 E JACKSON BLVD #14A CHICAGO, IL 60604 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $52K | $8K | $60K | 5.50% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | 160 FEDERAL ST BOSTON, MA 02110 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $46K | $7K | $53K | 4.87% |
| MANNING JERRY3 | 220 N S GREEN ST CHICAGO, IL 60607 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $7K | — | $7K | 4.86% |
| LTCI PARTNERS LLC3 Filed as: LTCI PARTNERS, LLC | 2189 N ILLINOIS ROUTE 83#110 ROUND LAKE BEACH, IL 60073 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 1.22% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP OF ILLINOIS, LLC | 1 SOUTH WACKER DRIVE #3350 CHICAGO, IL 60606 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $8K | $0 | $8K | 7.87% |
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 | 1,507 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 59 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,566 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 4 | $99K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 4 | $99K |
| Vision | EYEMED | 2,265 | $70K |
| Life insurance(3 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,510 | $1.3M |
| Long-term disability(3 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,549 | $1.5M |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 4 | $99K |
| Other(4 contracts, 4 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,510 | $1.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,265 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.