| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL OF ILLINOIS LTD | 55 E JACKSON BLVD #14B CHICAGO, IL 606044466 | BLUECROSS BLUESHIELD OF ILLINOIS | — | $3K | $3K | 0.09% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 55 E JACKSON #600 12TH FLOOR CHICAGO, IL 606049300 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $951 | $4K | 7.26% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ILLINOIS INC | 35371 NETWORK PL CHICAGO, IL 606731353 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 4.44% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 55 E JACKSON #600 12TH FLOOR CHICAGO, IL 606049300 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $632 | $3K | 5.77% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ILLINOIS INC | 35371 NETWORK PL CHICAGO, IL 606731353 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 5.49% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 55 E. JACKSON # 600 12TH FLOOR CHICAGO, IL 606049300 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $607 | $3K | 6.81% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ILLINOIS INC | 35371 NETWORK PL CHICAGO, IL 606731353 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 4.60% |
| ENROLLMENT RESOURCES GROUP3 | WILLIS OF ILLINOIS, INC. 233 S WACKER DR. STE 2000 CHICAGO, IL 60606 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 8.81% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 15162 COLLECTIONS CENTER DR CHICAGO, IL 60693 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 5.81% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 55 E JACKSON #600 12TH FLOOR CHICAGO, IL 606049300 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $280 | $1K | 5.89% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ILLINOIS INC | 35371 NETWORK PL CHICAGO, IL 606731353 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $0 | $1K | 5.38% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 55 E JACKSON #600 12TH FLOOR CHICAGO, IL 606049300 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $364 | $75 | $439 | 6.56% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ILLINOIS INC | 35371 NETWORK PL CHICAGO, IL 606731353 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $305 | — | $305 | 4.56% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HEALTH CARE SERVICE CORPORATION EIN 36-1236610 NONE | Contract Administrator; Claims processing Service code 12 | 300 E RANDOLPH STREET CHICAGO, IL 60601 | $0 |
| HUB INTERNATIONAL MIDWEST LTD. EIN 35-0672425 NONE | Consulting (general) Service code 16 | 55 E. JACKSON STE 600 CHICAGO, IL 606049300 | $0 |
| WILLIS OF ILLINOIS INC. NONE | Consulting (general) Service code 16 | 203 SOUTH WACKER DRIVE SUITE 2000 CHICAGO, IL 606066400 | $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 | 203 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 32 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 5 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 240 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ILLINOIS | 562 | $3.2M |
| Dental | BLUECROSS BLUESHIELD OF ILLINOIS | 562 | $3.2M |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 524 | $19K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 218 | $22K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 218 | $50K |
| Other(6 contracts, 3 carriers) | BLUECROSS BLUESHIELD OF ILLINOIS | 562 | $3.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 562 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
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.