| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTRNTL MIDWEST LTD | 55 E JACKSON STE 600 CHICAGO, IL 606049300 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $617 | $4K | 6.18% |
| CORPORATE BENEFIT CONSULTANTS3 Filed as: CORPORATE BENEFITS CONSULTANT INC | 2800 S RIVER RD 130 DES PLAINES, IL 60018 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 4.69% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTRNTL MIDWEST LTD | 55 E JACKSON STE 600 CHICAGO, IL 606049300 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $468 | $3K | 6.18% |
| CORPORATE BENEFIT CONSULTANTS3 Filed as: CORPORATE BENEFITS CONSULTANT INC | 2800 S RIVER RD 130 DES PLAINES, IL 60018 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 4.78% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTRNTL MIDWEST LTD | 55 E JACKSON STE 600 CHICAGO, IL 606049300 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $397 | $2K | 5.52% |
| CORPORATE BENEFIT CONSULTANTS3 Filed as: CORPORATE BENEFITS CONSULTANT INC | 2800 S RIVER RD 130 DES PLAINES, IL 60018 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 5.39% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTRNTL MIDWEST LTD | 55 E JACKSON STE 600 CHICAGO, IL 606049300 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $214 | $1K | 5.95% |
| CORPORATE BENEFIT CONSULTANTS3 Filed as: CORPORATE BENEFITS CONSULTANT INC | 2800 S RIVER RD 130 DES PLAINES, IL 60018 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 5.02% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTRNTL MIDWEST LTD | 55 E JACKSON STE 600 CHICAGO, IL 606049300 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $247 | $102 | $349 | 7.66% |
| CORPORATE BENEFIT CONSULTANTS3 Filed as: CORPORATE BENEFITS CONSULTANT INC | 2800 S RIVER RD 130 DES PLAINES, IL 60018 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $209 | — | $209 | 4.59% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CORPORATE BENEFIT CONSULTANTS INC. EIN 36-4024403 NONE | Consulting (general) Service code 16 | 2800 S RIVER RD SUITE 130 DES PLAINES, IL 60018 | $0 |
| HEALTH CARE SERVICE CORPORATION EIN 36-1236610 NONE | Claims processing; Contract Administrator Service code 12 | 300 E RANDOLPH STREET CHICAGO, IL 60601 | $0 |
| HUB INTRNTL MIDWEST LTD EIN 35-0672425 NONE | Consulting (general) Service code 16 | 55 E JACKSON STE 600 CHICAGO, IL 606049300 | $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 | 198 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 31 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 3 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 217 | $22K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 217 | $49K |
| Other(4 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 217 | $142K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 217 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.