| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LIMITED I | 55 EAST JACKSON BOULEVARD SUITE 14A CHICAGO, IL 60604 | BLUECROSS BLUESHIELD OF ILLINOIS | — | $4K | $4K | 0.13% |
| ANSAY & ASSOCIATES LLC3 | 2901 W BELTWAY HWY STE 202 MADISON, WI 53713 | BLUECROSS BLUESHIELD OF ILLINOIS | $1K | — | $1K | 0.04% |
| ANSAY & ASSOCIATES LLC3 Filed as: ANSAY & ASSOCIATES | 2901 W BELTLINE HWY STE 202 MADIWON, WI 53713 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 13.68% |
| ANSAY & ASSOCIATES LLC3 Filed as: ANSAY & ASSOCIATES | 2901 W BELTLINE HWY STE 202 MADISON, WI 53713 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | $891 | $8K | 17.31% |
| ANSAY & ASSOCIATES LLC3 | 101 E GRAND AVE STE 11 PORT WASHINGTON, WI 530742241 | VISION SERVICE PLAN | $1K | — | $1K | 5.38% |
| ANSAY & ASSOCIATES LLC3 Filed as: ANSAY & ASSOCIATES | 2901 W BELTLINE HWY STE 202 MADISON, WA 53713 | UNUM INSURANCE COMPANY | $2K | — | $2K | 14.91% |
| ANSAY & ASSOCIATES LLC3 Filed as: ANSAY & ASSOCIATES | 2901 W BELTLINE HWY STE 202 MADISON, WI 53713 | UNUM INSURANCE COMPANY | $1K | — | $1K | 15.10% |
| ANSAY & ASSOCIATES LLC3 Filed as: ANSAY & ASSOCIATES | 2901 W BELTLINE HWY STE 202 MADISON, WI 53713 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $870 | — | $870 | 13.70% |
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 | 302 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 4 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 306 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ILLINOIS | 406 | $2.8M |
| Dental | BLUECROSS BLUESHIELD OF ILLINOIS | 406 | $2.8M |
| Vision | VISION SERVICE PLAN | 183 | $21K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 302 | $6K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 67 | $49K |
| Prescription drug | BLUECROSS BLUESHIELD OF ILLINOIS | 406 | $2.8M |
| Other(4 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 302 | $79K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 406 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.