| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 | 55 E. JACKSON BLVD. CHICAGO, IL 606044466 | BLUECROSS BLUESHIELD OF ILLINOIS | $177K | $7K | $184K | 2.56% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 55 E. JACKSON BLVD. CHICAGO, IL 606044466 | PRINCIPAL LIFE INSURANCE COMPANY | $24K | — | $24K | 10.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL LIMITED | 300 N. LASALLE ST. 17TH FLOOR CHICAGO, IL 60654 | PRINCIPAL LIFE INSURANCE COMPANY | — | $9K | $9K | 3.87% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 55 E. JACKSON BLVD. CHICAGO, IL 606044466 | PRINCIPAL LIFE INSURANCE COMPANY | $18K | — | $18K | 10.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL LIMITED | 300 N. LASALLE ST. 17TH FLOOR CHICAGO, IL 60654 | PRINCIPAL LIFE INSURANCE COMPANY | — | $7K | $7K | 3.87% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 55 E. JACKSON BLVD. CHICAGO, IL 606044466 | PRINCIPAL LIFE INSURANCE COMPANY | $13K | — | $13K | 10.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL LIMITED | 300 N. LASALLE ST. 17TH FLOOR CHICAGO, IL 60654 | PRINCIPAL LIFE INSURANCE COMPANY | — | $5K | $5K | 3.87% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL OF ILLINOIS LTD | 800 WAUKEGAN RD GLENVIEW, IL 60025 | BLUECROSS BLUESHIELD OF ILLINOIS | $2K | — | $2K | 4.92% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 15162 COLLECTION CENTER DRIVE CHICAGO, IL 606930001 | VISION SERVICE PLAN | $2K | $0 | $2K | 4.03% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 55 E. JACKSON BLVD. 14TH FLOOR CHICAGO, IL 606044139 | NATIONAL UNION FIRE INS. CO. | $234 | $0 | $234 | 14.97% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 15162 COLLECTIONS CENTER DRIVE CHICAGO, IL 60693 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $215 | $72 | $287 | 20.01% |
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 | 795 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 26 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 821 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ILLINOIS | 1,172 | $7.2M |
| Dental(2 contracts) | BLUECROSS BLUESHIELD OF ILLINOIS | 1,172 | $7.3M |
| Vision | VISION SERVICE PLAN | 445 | $41K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 795 | $243K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 795 | $131K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 795 | $176K |
| Other(2 contracts, 2 carriers) | NATIONAL UNION FIRE INS. CO. | 795 | $3K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,172 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.