| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 55 E JACKSON BLVD CHICAGO, IL 60604 | BLUECROSS BLUESHIELD OF ILLINOIS | $29K | — | $29K | 2.86% |
| ASSURANCE AGENCY LTD3 Filed as: ASSURANCE AGENCY LTD. | 1750 E GOLF ROAD SCHAUMBURG, IL 60173 | BLUECROSS BLUESHIELD OF ILLINOIS | $9K | $3K | $12K | 1.21% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 55 E JACKSON BLVD CHICAGO, IL 60604 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 7.58% |
| ASSURANCE AGENCY LTD3 | 1 CENTURY CENTER 1750 EAST GOLF ROAD SCHAUMBURG, IL 60173 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | $4K | $6K | 7.48% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 55 E JACKSON BLVD CHICAGO, IL 60604 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 11.29% |
| ASSURANCE AGENCY LTD3 | 1750 E GOLF ROAD SCHAUMBURG, IL 60173 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $959 | $127 | $1K | 4.20% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | EMPLOYEE BENEFITS DEPT 55 E JACKSON BLVD #14A CHICAGO, IL 60604 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 14.66% |
| ASSURANCE AGENCY LTD3 | 1750 E. GOLF ROAD SCHAUMBURG, IL 60173 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $676 | — | $676 | 5.34% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 55 E JACKSON BLVD CHICAGO, IL 60604 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 11.14% |
| ASSURANCE AGENCY LTD3 | 1750 E GOLF ROAD SCHAUMBURG, IL 60173 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $460 | $59 | $519 | 4.35% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 55 E JACKSON BLVD CHICAGO, IL 60604 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 9.52% |
| ASSURANCE AGENCY LTD3 | 1750 E GOLF ROAD SCHAUMBURG, IL 60173 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $643 | $84 | $727 | 6.19% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 15162 COLLECTION CENTER DR CHICAGO, IL 606930001 | VISION SERVICE PLAN | $557 | — | $557 | 6.03% |
| ASSURANCE AGENCY LTD3 Filed as: ASSURANCE AGENCY, LTD. | 1750 E GOLF RD STE 140 SCHAUMBURG, IL 60173 | VISION SERVICE PLAN | $116 | — | $116 | 1.25% |
| ASSURANCE AGENCY LTD3 Filed as: ASSURANCE AGENCY, LTD | 1750 E GOLF ROAD SCHAUMBURG, IL 60173 | CONTINENTAL AMERICAN INSURANCE COMPANY | $735 | — | $735 | 8.32% |
| 22 INSURANCE GROUP INC3 | 22385 MISTY FALLS CIRCLE FRANKFORT, IL 60423 | CONTINENTAL AMERICAN INSURANCE COMPANY | $183 | — | $183 | 2.07% |
| MONICA L LEIVA3 | 556 N ARTESIAN CHICAGO, IL 60612 | CONTINENTAL AMERICAN INSURANCE COMPANY | $169 | — | $169 | 1.91% |
| JOY A HOWARD3 | 3850 E MOUNTAIN SKY AVE PHOENIX, AZ 85044 | CONTINENTAL AMERICAN INSURANCE COMPANY | $153 | — | $153 | 1.73% |
| JEFFREY LYNN LAMBERT3 Filed as: JEFFREY L LAMBERT | 7 CENTER STREET HINSDALE, IL 60521 | CONTINENTAL AMERICAN INSURANCE COMPANY | $85 | — | $85 | 0.96% |
| OKSAN K PILAFAS3 Filed as: OKSAN PILAFAS | 4415 W HARRISON ST STE 503 HILLSIDE, IL 60162 | CONTINENTAL AMERICAN INSURANCE COMPANY | $45 | — | $45 | 0.51% |
| ORLANDO R DOBRINCU3 | 837 LINDEN CIRCLE HOFFMAN ESTATES, IL 60159 | CONTINENTAL AMERICAN INSURANCE COMPANY | $40 | — | $40 | 0.45% |
| SCOTT A HOWARD3 | 1491 GINGER LANE NEW LENOX, IL 60451 | CONTINENTAL AMERICAN INSURANCE COMPANY | $39 | — | $39 | 0.44% |
| CHAD L NELSON3 | 490 EAST ROOSEVELT ROAD SUITE 203 WEST CHICAGO, IL 60185 | CONTINENTAL AMERICAN INSURANCE COMPANY | $37 | — | $37 | 0.42% |
| JOHN H VRATSINAS3 | 1142 WEST MADISON #305 CHICAGO, IL 60607 | CONTINENTAL AMERICAN INSURANCE COMPANY | $25 | — | $25 | 0.28% |
| STEPHEN KELLS3 | 514 MAYFAIR COURT GERMANTOWN HILLS, IL 61568 | CONTINENTAL AMERICAN INSURANCE COMPANY | $14 | — | $14 | 0.16% |
| NORMA HUERTA3 | 14420 S ALBANY AVE POSEN, IL 60469 | CONTINENTAL AMERICAN INSURANCE COMPANY | $11 | — | $11 | 0.12% |
| KNUTE NELSON3 Filed as: KNUTE T NELSON | 3920 KIPLING AVE MINNEAPOLIS, MN 55416 | CONTINENTAL AMERICAN INSURANCE COMPANY | $11 | — | $11 | 0.12% |
| HENRY J SAMAAN3 | 19W152 21ST PLACE LOMBARD, IL 60148 | CONTINENTAL AMERICAN INSURANCE COMPANY | $9 | — | $9 | 0.10% |
| SCOTT LYDEN3 Filed as: SCOTT F LYDEN | 1284 ROSEGATE CT AURORA, IL 60504 | CONTINENTAL AMERICAN INSURANCE COMPANY | $9 | — | $9 | 0.10% |
| TIMOTHY B ASBY3 | 9247 N MERIDIAN ST STE 205 INDIANAPOLIS, IN 46260 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6 | — | $6 | 0.07% |
| ELIZABETH A LENZO3 | 349 E CALIFORNIA BLVD PASADENA, CA 91106 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2 | — | $2 | 0.02% |
| JOSEPH A NASCA3 | 28081 W MAPLE AVE BARRINGTON, IL 60010 | CONTINENTAL AMERICAN INSURANCE COMPANY | $0 | — | $0 | 0.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 55 E JACKSON BLVD CHICAGO, IL 60604 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $487 | — | $487 | 11.28% |
| ASSURANCE AGENCY LTD3 | 1750 E GOLF ROAD SCHAUMBURG, IL 60173 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $161 | $20 | $181 | 4.19% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 55 E JACKSON BLVD CHICAGO, IL 60604 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $95 | — | $95 | 11.15% |
| ASSURANCE AGENCY LTD3 | 1750 E GOLF ROAD SCHAUMBURG, IL 60173 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $33 | $4 | $37 | 4.34% |
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 | 161 | 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) | 161 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ILLINOIS | 195 | $1.0M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 107 | $74K |
| Vision | VISION SERVICE PLAN | 79 | $9K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 161 | $4K |
| Short-term disability(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 161 | $35K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 161 | $12K |
| Other(5 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 161 | $42K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 195 | — |
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."
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.