| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 | 55 E JACKSON BLVDD CHICAGO, IL 60604 | BLUECROSS BLUESHIELD OF ILLINOIS | $48K | $18K | $65K | 3.04% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTL MIDWEST LIMITED | 55 E JACKSON STE 14B CHICAGO, IL 60604 | HARTFORD LIFE AND ACCIDENT | $29K | $0 | $29K | 11.12% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES R NELLIGAN & ASSOC LLC | 1060 BROADWAY STE 400 ALBANY, NY 12204 | HARTFORD LIFE AND ACCIDENT | — | $12K | $12K | 4.62% |
| SIDBERRY, LERONE3 Filed as: SIDBERRY, LERONE A | 55 E JACKSON BLVD FL 12 CHICAGO, IL 60604 | STANDARD INSURANCE COMPANY | $4K | — | $4K | 17.90% |
| KME INSURANCE BROKERAGE, INC.3 Filed as: KME INS BROKERAGE INC | 125 S WACKER DR STE 300 CHICAGO, IL 60641 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 8.13% |
| EUGENE COHEN INSURANCE AGENCY INC3 | 9933 N LAWLER AVE STE 140 SKOKIE, IL 60077 | STANDARD INSURANCE COMPANY | $432 | — | $432 | 1.99% |
| BASTIAN, SCOTT C3 | 525 W MONROE #600 CHICAGO, IL 60661 | STANDARD INSURANCE COMPANY | $195 | — | $195 | 0.90% |
| GCG FINANCIAL LLC3 | THREE PARKWAY NORTH STE 500 DEERFIELD, IL 60015 | STANDARD INSURANCE COMPANY | $158 | — | $158 | 0.73% |
| HENEY, STEVEN3 | 300 S WACKER DR STE 2000-A CHICAGO, IL 60641 | STANDARD INSURANCE COMPANY | $126 | — | $126 | 0.58% |
| ESKRA & ASSOCIATES INC3 Filed as: ESKRA AND ASSOCIATES INC | 100 MIRACLE MILE STE 250 CORAL GABLES, FL 33134 | STANDARD INSURANCE COMPANY | $63 | — | $63 | 0.29% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 55 E JACKSON BLVD FL 14 CHICAGO, IL 606044466 | VISION SERVICE PLAN | $1K | — | $1K | 5.96% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST | HUB INTL MIDWEST LIMITED OPERATION WEST ACCOUNT RIVERSIDE, CA 92516 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $143 | $19 | $162 | 17.05% |
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 | 308 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 311 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ILLINOIS | 322 | $2.1M |
| Dental | BLUECROSS BLUESHIELD OF ILLINOIS | 322 | $2.1M |
| Vision | VISION SERVICE PLAN | 154 | $19K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 305 | $265K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 305 | $265K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 305 | $265K |
| Other(3 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 305 | $287K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 322 | — |
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.