| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL OF ILLINOIS LTD | 55 E JACKSON BLVD CHICAGO, IL 60604 | BLUE CROSS BLUE SHIELD OF ILLINOIS | — | $5K | $5K | 0.09% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL OF ILLINOIS LTD | 55 E JACKSON BLVD CHICAGO, IL 60604 | HMO OF ILLINOIS | — | $3K | $3K | 0.13% |
| DAVID S JUSTICE3 | 55 SHUMAN BLVD, SUITE 600 NAPERVILLE, IL 60563 | METROPOLITAN LIFE INSURANCE COMPANY | $19K | — | $19K | 8.45% |
| DAVID S JUSTICE3 | 55 SHUMAN BLVD, SUITE 600 NAPERVILLE, IL 60563 | PRINCIPAL LIFE INSURANCE COMPANY | $12K | — | $12K | 15.24% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF ILLINOIS EIN 36-1236610 CLAIMS ADMINISTRATION | Claims processing Service code 12 | — | $826K |
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 | 1,410 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,410 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF ILLINOIS | 850 | $7.9M |
| Dental | CIGNA DENTAL ADMINISTRATORS | 355 | $354K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 1,200 | $222K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 540 | $81K |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF ILLINOIS | 850 | $7.9M |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 1,200 | $222K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,200 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.