| 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 | $110K | $7K | $118K | 4.32% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 55 EAST JACKSON BLVD FLOOR 14B CHICAGO, IL 60604 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 3.11% |
| VICKI L CIGER3 | 4020 OAK TREE LANE PLAINFIELD, IL 60586 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 1.62% |
| ANGELA SCHIEK3 | 953 WILLOW LANE SLEEPY HOLLOW, IL 60118 | CONTINENTAL AMERICAN INSURANCE COMPANY | $807 | — | $807 | 1.13% |
| ZUREK & ASSOCIATES LLC3 | 210 DES PLAINES AVE UNIT D FOREST PARK, IL 60130 | CONTINENTAL AMERICAN INSURANCE COMPANY | $378 | — | $378 | 0.53% |
| STEPHEN KELLS3 | 514 MAYFAIR COURT GERMANTOWN HILLS, IL 61568 | CONTINENTAL AMERICAN INSURANCE COMPANY | $365 | — | $365 | 0.51% |
| JEFFREY LYNN LAMBERT3 Filed as: JEFFREY L LAMBERT | 7 CENTER STREET HINSDALE, IL 60521 | CONTINENTAL AMERICAN INSURANCE COMPANY | $181 | — | $181 | 0.25% |
| MARCIN ZUREK3 | 210 DES PLAINES AVE UNIT D FOREST PARK, IL 60130 | CONTINENTAL AMERICAN INSURANCE COMPANY | $130 | — | $130 | 0.18% |
| SUMMER L CAIN3 | 1620 ABINGTON LANE NORTH AURORA, IL 60542 | CONTINENTAL AMERICAN INSURANCE COMPANY | $127 | — | $127 | 0.18% |
| SEENA JOHN3 | 2 NANDINA COURT BOLINGBROOK, IL 60490 | CONTINENTAL AMERICAN INSURANCE COMPANY | $102 | — | $102 | 0.14% |
| ERENIA CASTELLANOS3 Filed as: ERENIA CASTELLANOS GONZALEZ | 14628 CAPITAL DRIVE PLAINFIELD, IL 60544 | CONTINENTAL AMERICAN INSURANCE COMPANY | $96 | — | $96 | 0.13% |
| CHAD L NELSON3 | 5266 N KUFALK LANE BYRON, IL 61010 | CONTINENTAL AMERICAN INSURANCE COMPANY | $66 | — | $66 | 0.09% |
| RUBICON REGION LLC3 | 1010 L785 GLENWOOD DRIVE LAKE MARY, FL 32746 | CONTINENTAL AMERICAN INSURANCE COMPANY | $51 | — | $51 | 0.07% |
| DESIREE M RODRIGUEZ3 | 2107 ALPINE WAY PLAINFIELD, IL 60586 | CONTINENTAL AMERICAN INSURANCE COMPANY | $43 | — | $43 | 0.06% |
| OVERBECK INSURANCE SERVICES3 | 1033 SOUTH BLVD OAK PARK, IL 60302 | CONTINENTAL AMERICAN INSURANCE COMPANY | $41 | — | $41 | 0.06% |
| MICHELLE WELTY3 | 1616 MARLBORO LANE CREST HILL, IL 60403 | CONTINENTAL AMERICAN INSURANCE COMPANY | $35 | — | $35 | 0.05% |
| TIFFANY ANNE KING3 Filed as: TIFFANY A KING | 1010 LAKE ST SUITE 430 OAK PARK, IL 60301 | CONTINENTAL AMERICAN INSURANCE COMPANY | $21 | — | $21 | 0.03% |
| WESTERMAYER AND ASSOCIATES LLC3 | 14901 QUORUM RD ADDISON, TX 75254 | CONTINENTAL AMERICAN INSURANCE COMPANY | $10 | — | $10 | 0.01% |
| BRIAN WHITE3 Filed as: BRIAN HANLEY | 506 CANTERBURY DRIVE LAGRANGE, GA 30241 | CONTINENTAL AMERICAN INSURANCE COMPANY | $8 | — | $8 | 0.01% |
| DANIEL E ELLIS3 Filed as: DANIEL ELLIS | 349 E CLAIFORNIA BLVD PASENDA, CA 91106 | CONTINENTAL AMERICAN INSURANCE COMPANY | $7 | — | $7 | 0.01% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD IL | EMPLOYEE BENEFITS DEPT 55 EAST JACKSON BOULEVARD CHICAGO, IL 60604 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | $2K | $9K | 19.50% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R NELLIGAN & ASSOCIATES | 1933 STATE ROUTE 35 STE 368 WALL, NJ 07719 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $153 | $3K | 5.32% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 55 E JACKSON BLVD 14TH FL CHICAGO, IL 60604 | VISION SERVICE PLAN | $1K | — | $1K | 5.40% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 1411 OPUS PL STE 450 DOWNERS GROVE, IL 606151423 | VISION SERVICE PLAN | $419 | — | $419 | 2.00% |
| 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 | $1K | $311 | $1K | 19.51% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R NELLIGAN & ASSOCIATES | 1933 STATE ROUTE 35 STE 368 WALL, NJ 077193502 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $346 | $23 | $369 | 5.34% |
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 | 321 | 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) | 321 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ILLINOIS | 428 | $2.7M |
| Dental | BLUECROSS BLUESHIELD OF ILLINOIS | 428 | $2.7M |
| Vision | VISION SERVICE PLAN | 202 | $21K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 317 | $7K |
| Prescription drug | BLUECROSS BLUESHIELD OF ILLINOIS | 428 | $2.7M |
| Other(3 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 317 | $126K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 428 | — |
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.