| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 | 55 E JACKSON BLVD SUITE 14A CHICAGO, IL 60604 | BLUECROSS BLUESHIELD OF ILLINOIS | $75K | $2K | $77K | 4.02% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 55 EAST JACKSON BOULEVARD CHICAGO, IL 60604 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 3.71% |
| ANGELA SCHIEK3 | 953 WILLOW LANE SLEEPY HOLLOW, IL 60118 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5K | — | $5K | 5.87% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 55 EAST JACKSON BLVD FLOOR 14B CHICAGO, IL 60604 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5K | — | $5K | 5.82% |
| STEPHEN KELLS3 | 514 MAYFAIR COURT GERMANTOWN HILLS, IL 61568 | CONTINENTAL AMERICAN INSURANCE COMPANY | $724 | — | $724 | 0.91% |
| JEFFREY LYNN LAMBERT3 Filed as: JEFFREY L LAMBERT | 7 CENTER STREET HINSDALE, IL 60521 | CONTINENTAL AMERICAN INSURANCE COMPANY | $544 | — | $544 | 0.68% |
| DANIEL E ELLIS3 | 349 E CALIFORNIA BLVD PASADENA, CA 91106 | CONTINENTAL AMERICAN INSURANCE COMPANY | $413 | — | $413 | 0.52% |
| SUMMER L CAIN3 | 1620 ABINGTON LANE NORTH AURORA, IL 60542 | CONTINENTAL AMERICAN INSURANCE COMPANY | $176 | — | $176 | 0.22% |
| ERENIA CASTELLANOS3 Filed as: ERENIA CASTELLANOS GONZALEZ | 14628 CAPITAL DRIVE PLAINFIELD, IL 60544 | CONTINENTAL AMERICAN INSURANCE COMPANY | $129 | — | $129 | 0.16% |
| CHAD L NELSON3 | 5266 N KUFALK LANE BYRON, IL 61010 | CONTINENTAL AMERICAN INSURANCE COMPANY | $81 | — | $81 | 0.10% |
| DESIREE M RODRIGUEZ3 | 2107 ALPINE WAY PLAINFIELD, IL 60586 | CONTINENTAL AMERICAN INSURANCE COMPANY | $63 | — | $63 | 0.08% |
| MICHELLE WELTY3 | 1616 MARLBORO LN CREST HILL, IL 60403 | CONTINENTAL AMERICAN INSURANCE COMPANY | $40 | — | $40 | 0.05% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | EMPLOYEE BENEFITS DEPT 55 E JACKSON BLVD #14A CHICAGO, IL 60604 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $463 | $4K | 13.40% |
| MICHELLE WELTY3 | 15419 W 127TH ST LEMONT, IL 60439 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $348 | — | $348 | 1.05% |
| ANGELA SCHIEK3 | 953 WILLOW LANE SLEEPY HOLLOW, IL 60118 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $348 | — | $348 | 1.05% |
| DESIREE M RODRIGUEZ3 Filed as: DESIREE RODRIGUEZ | 2107 ALPINE WAY PLAINFIELD, IL 60586 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $298 | — | $298 | 0.90% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 15162 COLLECTIONS CENTER DR CHICAGO, IL 60693 | VISION SERVICE PLAN | $914 | — | $914 | 6.25% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST | 2800 S RIVER RD DES PLAINES, IL 60018 | VISION SERVICE PLAN | $292 | — | $292 | 2.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 55 E JACKSON BLVD 12TH FLOOR CHICAGO, IL 60604 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $2K | $307 | $2K | 18.06% |
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 | 281 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 5 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 288 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ILLINOIS | 382 | $1.9M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 189 | $104K |
| Vision | VISION SERVICE PLAN | 137 | $15K |
| Life insurance | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 281 | $10K |
| Other(3 contracts, 3 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 281 | $123K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 382 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.