| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RIVER POINT INSURANCE SERVICES LLC3 | 8600 WEST BRYN MAWR AVENUE SUITE 970N CHICAGO, IL 60631 | UNITEDHEALTHCARE INSURANCE COMPANY | $60K | $133K | $193K | 4.09% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 1411 OPUS PLACE SUITE 450 DOWNERS GROVE, IL 60515 | UNITEDHEALTHCARE INSURANCE COMPANY | $365 | $2K | $2K | 0.05% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 3635 RIVERSIDE PLAZA DRIVE RIVERSIDE, CA 92506 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $2K | $2K | 0.04% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 505 NORTH BRAND BOULEVARD SUITE 600 GLENDALE, CA 91203 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $64 | $4K | 4.27% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | METROPOLITAN LIFE INSURANCE COMPANY | — | $1K | $1K | 1.32% |
| BRANDON PENKO3 | 4927 MAGNOLIA BEND DRIVE ROSHARON, TX 77583 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | — | $3K | 11.37% |
| RIVER POINT INSURANCE SERVICES LLC3 | 8600 WEST BRYN MAWR AVENUE SUITE 970N CHICAGO, IL 60631 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | — | $1K | 4.87% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 55 EAST JACKSON BOULEVARD FLOOR 14 CHICAGO, IL 60604 | METROPOLITAN LIFE INSURANCE COMPANY | $639 | $55 | $694 | 2.83% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 16253 COLLECTION CENTER DRIVE 40 WEST MADISON 4TH FLOOR BANK OF CHICAGO, IL 60693 | METROPOLITAN LIFE INSURANCE COMPANY | — | $64 | $64 | 0.26% |
| BRANDON PENKO3 | 4927 MAGNOLIA BEND DRIVE ROSHARON, TX 77583 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | — | $3K | 11.95% |
| RIVER POINT INSURANCE SERVICES LLC3 | 8600 WEST BRYN MAWR AVENUE SUITE 970N CHICAGO, IL 60631 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | — | $1K | 5.12% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 55 EAST JACKSON BOULEVARD FLOOR 14 CHICAGO, IL 60604 | METROPOLITAN LIFE INSURANCE COMPANY | $470 | $55 | $525 | 2.24% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 16253 COLLECTION CENTER DRIVE 40 WEST MADISON 4TH FLOOR BANK OF AMER CHICAGO, IL 60693 | METROPOLITAN LIFE INSURANCE COMPANY | — | $47 | $47 | 0.20% |
| RIVER VIEW INC3 Filed as: RIVER POINT INSURANCE SER | 8600 WEST BRYN MAWR AVENUE SUITE 970N CHICAGO, IL 60631 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 14.64% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST | 55 EAST JACKSON BOULEVARD 14TH FLOOR SUITE 14A CHICAGO, IL 60604 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $534 | — | $534 | 2.86% |
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW INSURANCE SERVICES | 353 NORTH CLARK STREET SUITE 1100 CHICAGO, IL 60610 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $38 | $38 | 0.20% |
| RIVER VIEW INC3 Filed as: RIVER POINT INSURANCE SER | 8600 WEST BRYN MAWR AVENUE SUITE 970N CHICAGO, IL 60631 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 14.59% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST | 55 EAST JACKSON BOULEVARD 14TH FLOOR SUITE 14A CHICAGO, IL 60604 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $534 | — | $534 | 2.90% |
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW INSURANCE SERVICE | 353 NORTH CLARK STREET SUITE 1100 CHICAGO, IL 60610 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $37 | $37 | 0.20% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ILLNOIS INC D/B/A ENROLLM | 233 SOUTH WACKER DRIVE SUITE 2000 CHICAGO, IL 60606 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $293 | $7K | 53.57% |
| BRANDON PENKO3 | 4927 MAGNOLIA BEND DRIVE ROSHARON, TX 77583 | METROPOLITAN LIFE INSURANCE COMPANY | $478 | — | $478 | 7.01% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 55 EAST JACKSON BOULEVARD FLOOR 14 CHICAGO, IL 60604 | METROPOLITAN LIFE INSURANCE COMPANY | $297 | $55 | $352 | 5.17% |
| RIVER POINT INSURANCE SERVICES LLC3 | 8600 WEST BRYN MAWR AVENUE SUITE 970N CHICAGO, IL 60631 | METROPOLITAN LIFE INSURANCE COMPANY | $205 | — | $205 | 3.01% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 16253 COLLECTION CENTER DRIVE 40 WEST MADISON 4TH FLOOR BANK OF AMER CHICAGO, IL 60693 | METROPOLITAN LIFE INSURANCE COMPANY | — | $30 | $30 | 0.44% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ILLINOIS INC D/B/A ENROLL | 233 SOUTH WACKER DRIVE SUITE 2000 CHICAGO, IL 60606 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $153 | $2K | 40.12% |
| BRANDON PENKO3 | 4927 MAGNOLIA BEND DRIVE ROSHARON, TX 77583 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 38.48% |
| RIVER POINT INSURANCE SERVICES LLC3 | 8600 WEST BRYN MAWR AVENUE SUITE 970N CHICAGO, IL 60631 | METROPOLITAN LIFE INSURANCE COMPANY | $875 | — | $875 | 16.49% |
| BRANDON PENKO3 | 4927 MAGNOLIA BEND DRIVE ROSHARON, TX 77583 | METROPOLITAN LIFE INSURANCE COMPANY | $373 | — | $373 | 8.44% |
| RIVER POINT INSURANCE SERVICES LLC3 | 8600 WEST BRYN MAWR AVENUE SUITE 970N CHICAGO, IL 60631 | METROPOLITAN LIFE INSURANCE COMPANY | $160 | — | $160 | 3.62% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 55 EAST JACKSON BOULEVARD FLOOR 14 CHICAGO, IL 60604 | METROPOLITAN LIFE INSURANCE COMPANY | $58 | $55 | $113 | 2.56% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 16253 COLLECTION CENTER DRIVE 40 WEST MADISON 4TH FLOOR BANK OF A CHICAGO, IL 60693 | METROPOLITAN LIFE INSURANCE COMPANY | — | $6 | $6 | 0.14% |
| RIVER VIEW INC3 Filed as: RIVER POINT INSURANCE SER | 8600 WEST BRYN MAWR AVENUE SUITE 970N CHICAGO, IL 60631 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $285 | — | $285 | 17.50% |
| RIVER VIEW INC3 Filed as: RIVER POINT INSURANCE SER | 8600 WEST BRYN MAWR AVENUE SUITE 970N CHICAGO, IL 60631 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $273 | — | $273 | 17.51% |
| M3 INSURANCE SOLUTIONS INC3 Filed as: RIVER POINT INSURACE SER | 8600 WEST BRYN MAWR AVE SUITE 970N CHICAGO, IL 60631 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $271 | — | $271 | 17.50% |
| RIVER VIEW INC3 Filed as: RIVER POINT INSURANCE SER | 8600 WEST BRYN MAWR AVENUE SUITE 970N CHICAGO, IA 60631 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $258 | — | $258 | 17.48% |
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 | 710 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 5 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 720 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 1,038 | $4.7M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 1,038 | $4.7M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 1,038 | $4.7M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 184 | $84K |
| Short-term disability(5 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 94 | $39K |
| Long-term disability(3 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 94 | $22K |
| Other(5 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 184 | $143K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,038 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.