| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 | 55 E JACKSON BLVD JACKSON, IL 60604 | BLUECROSS BLUESHIELD OF ILLINOIS | $93K | $24K | $117K | 11.55% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 55 E JACKSON BLVD CHICAGO, IL 606044466 | KAISER FOUNDATION HEALTH PLAN INC | $29K | — | $29K | 4.91% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES R NELLIGAN & ASSOC LLC | 1933 STATE RTE 35 STE 368 WALL, NJ 07719 | HARTFORD LIFE AND ACCIDENT | — | $22K | $22K | 5.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTL MIDWEST LIMITED | 55 E JACKSON BLVD FL 14 CHICAGO, IL 60604 | HARTFORD LIFE AND ACCIDENT | — | $18K | $18K | 4.15% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 55 E JACKSON BLVD CHICAGO, IL 606044466 | KAISER FOUNDATION HEALTH PLAN INC | $7K | — | $7K | 4.54% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: ARTHUR J GALLAGHER RISK MGMT SVS | 2850 GOLF RD ROLLING MEADOWS, IL 60008 | FEDERAL INSURANCE COMPANY | — | $46 | $46 | 0.97% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| WEX NONE | Claims processing; Contract Administrator Service code 12 | 4321 20TH AVE S FARGO, ND 58103 | $17K |
| TELUS HEALTH (US) LTD EIN 52-1883918 NONE | Claims processing; Contract Administrator Service code 12 | 250 ROYALL STREET SUITE 210W CANTON, MA 02021 | $11K |
| HEALTH CARE SERVICE CORPORATION EIN 36-1236610 NONE | Claims processing; Contract Administrator Service code 12 | — | $0 |
| NORTHERN TRUST COMPANY EIN 36-1561860 NONE | Trustee (bank, trust company, or similar financial institution); Investment management; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $0 |
| PLANTE & MORAN PLLC EIN 38-1357951 NONE | Accounting (including auditing) Service code 10 | — | $0 |
| SELECTQUOTE, INC EIN 94-3339273 NONE | Insurance agents and brokers Service code 22 | — | $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 | 542 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 542 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF ILLINOIS | 958 | $1.8M |
| Dental | BLUECROSS BLUESHIELD OF ILLINOIS | 958 | $1.0M |
| Vision | VISION SERVICE PLAN | 364 | $52K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 542 | $441K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 542 | $441K |
| Prescription drug(3 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF ILLINOIS | 958 | $1.8M |
| Stop-loss / reinsurancereinsurance | BLUECROSS BLUESHIELD OF ILLINOIS | 958 | $1.0M |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 542 | $446K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 958 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.