| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 | UNKNOWN CHICAGO, IL 60604 | BLUECROSS BLUESHIELD OF ILLINOIS | $116K | $0 | $116K | 4.09% |
| GCG FINANCIAL LLC3 | UNKNOWN CHICAGO, IL 60604 | BLUECROSS BLUESHIELD OF ILLINOIS | $33K | $2K | $36K | 1.26% |
| EXTERNAL AGENT3 | UNKNOWN CHICAGO, IL 60604 | BLUE CARE NETWORK OF MICHIGAN | $14K | $0 | $14K | 3.95% |
| MANAGING AGENT3 | UNKNOWN CHICAGO, IL 60604 | BLUE CARE NETWORK OF MICHIGAN | $3K | $0 | $3K | 0.97% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 203 NORTH LA SALLE STREET FLOOR 20 CHICAGO, IL 60601 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $13K | $0 | $13K | 5.75% |
| CGC FINANCIAL LLC3 Filed as: CGC FINANCIAL INC | THREE PARKWAY NORTH, SUITE 500 DEERFIELD, IL 60015 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $4K | $0 | $4K | 1.72% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 203 NORTH LASALLE STREET, FLOOR 20 CHICAGO, IL 60601 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $21K | $0 | $21K | 10.63% |
| GCG FINANCIAL LLC3 | 3 PARKWAY NORTH, SUITE 500 DEERFIELD, IL 60015 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | $151 | $6K | 3.15% |
| NATIONAL BENEFIT CENTER3 | 3700 PARK EAST DIRVE, SUITE 350 BEACHWOOD, OH 44122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $304 | $304 | 0.16% |
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 | 690 | 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) | 690 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF ILLINOIS | 472 | $3.2M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 424 | $221K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 424 | $221K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 690 | $196K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 690 | $196K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 690 | $196K |
| Prescription drug(2 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF ILLINOIS | 472 | $3.2M |
| Other | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 690 | $196K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 690 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.