| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 | 55 EAST JACKSON BOULEVARD SUITE 14A CHICAGO, IL 60604 | BLUECROSS BLUESHIELD OF ILLINOIS | $56K | $4K | $60K | 4.08% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 55 EAST JACKSON BLVD CHICAGO, IL 60604 | CONTINENTAL AMERICAN INSURANCE COMPANY | $11K | — | $11K | 14.68% |
| ANGELA SCHIEK3 | — | CONTINENTAL AMERICAN INSURANCE COMPANY | $6K | — | $6K | 8.14% |
| STEPHEN KELLS3 | 514 MAYFAIR COURT GERMANTOWN HILLS, IL 61568 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 2.32% |
| ERENIA CASTELLANOS3 Filed as: ERENIA CASTELLANOS GONZALEZ | 14628 CAPITAL DRIVE PLAINFIELD, IL 60544 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 2.02% |
| JEFFREY LYNN LAMBERT3 Filed as: JEFFREY L LAMBERT | 15419 W 127TH STREET LEMONT, IL 60439 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 1.70% |
| DESIREE M RODRIGUEZ3 Filed as: DESIREE M RODRIQUEZ | 2107 ALPINE WAY PLAINFIELD, IL 60586 | CONTINENTAL AMERICAN INSURANCE COMPANY | $871 | — | $871 | 1.17% |
| SUMMER L CAIN3 Filed as: SUMMER CAIN | 1620 ABINGTON LANE NORTH AURORA, IL 60542 | CONTINENTAL AMERICAN INSURANCE COMPANY | $436 | — | $436 | 0.59% |
| MICHELLE WELTY3 | 1616 MARLBORO LANE CREST HILL, IL 60403 | CONTINENTAL AMERICAN INSURANCE COMPANY | $386 | — | $386 | 0.52% |
| CHAD L NELSON3 | 490 EAST ROOSEVELT ROAD WEST CHICAGO, IL 60185 | CONTINENTAL AMERICAN INSURANCE COMPANY | $317 | — | $317 | 0.43% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST | 55 E JACKSON CHICAGO, IL 60604 | UNION SECURITY INSURANCE COMPANY | $4K | — | $4K | 7.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | EMPLOYEE BENEFITS DEPT. 55 E JACKSON BLVD #14A CHICAGO, IL 60604 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $748 | $4K | 13.64% |
| DESIREE M RODRIGUEZ3 | 2107 ALPINE WAY PLAINFIELD, IL 60586 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $369 | — | $369 | 1.27% |
| MICHELLE WELTY3 Filed as: MICHELLE S WELTY | 15419 W 127TH STREET LEMONT, IL 60439 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $281 | — | $281 | 0.97% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 55 E JACKSON BLVD SUITE 14A CHICAGO, IL 60604 | PROTEC INSURANCE COMPANY | $1K | — | $1K | 10.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD IL | 55 EAST JACKSON BOULEVARD 12TH FL CHICAGO, IL 60604 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 15.00% |
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 | 213 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 214 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ILLINOIS | 331 | $1.5M |
| Dental | UNION SECURITY INSURANCE COMPANY | 133 | $63K |
| Vision | PROTEC INSURANCE COMPANY | 95 | $14K |
| Life insurance | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 213 | $7K |
| Prescription drug | BLUECROSS BLUESHIELD OF ILLINOIS | 331 | $1.5M |
| Other(3 contracts, 3 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 213 | $111K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 331 | — |
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."
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.