| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 | 55 E JACKSKON BLVD STE 14A CHICHAGO, IL 60604 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | $136K | — | $136K | 11.87% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST | 55 E JACKSON 12TH FL CHICAGO, IL 60604 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | — | $77K | $77K | 6.75% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST | 55 E JACKSON 12TH FL CHICAGO, IL 60604 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | — | $11K | $11K | 1.51% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 55 E JACKSON BLVD CHICAGO, IL 60604 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $6K | — | $6K | 1.51% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 55 E JACKSON BLVD. CHICAGO, IL 60604 | EYEMED VISION CARE | $12K | — | $12K | 4.43% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 55 E JACKSON BLVD CHICAGO, IL 60604 | CIGNA DENTAL HEALTH OF KENTUCKY, INC. | $2K | — | $2K | 1.51% |
| FST ASSOCIATES INC3 | 118 S CLINTON ST CHICAGO, IL 60661 | CIGNA DENTAL HEALTH OF KENTUCKY, INC. | -$9 | — | -$9 | -0.01% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 55 E JACKSON BLVD CHICAGO, IL 60604 | CIGNA DENTAL HEALTH OF FLORIDA, INC. | $771 | — | $771 | 1.46% |
| FST ASSOCIATES INC3 | 118 S CLINTON CHICAGO, IL 60661 | CIGNA DENTAL HEALTH OF FLORIDA, INC. | -$4 | — | -$4 | -0.01% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 55 E JACKSON BLVD CHICAGO, IL 60604 | CIGNA DENTAL HEALTH OF MARYLAND, INC. | $458 | — | $458 | 1.35% |
| FST ASSOCIATES INC3 | 118 S CLINTON ST CHICAGO, IL 60661 | CIGNA DENTAL HEALTH OF MARYLAND, INC. | -$2 | — | -$2 | -0.01% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 55 E JACKSON BLVD CHICAGO, IL 60604 | CIGNA DENTAL HEALTH OF TEXAS, INC. | $406 | — | $406 | 1.54% |
| FST ASSOCIATES INC3 | 118 S CLINTON ST CHICAGO, IL 60661 | CIGNA DENTAL HEALTH OF TEXAS, INC. | -$2 | — | -$2 | -0.01% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 55 E JACKSN BLVD CHICAGO, IL 60604 | CIGNA DENTAL HEALTH PLAN OF ARIZONA, INC. | $263 | — | $263 | 1.40% |
| FST ASSOCIATES INC3 Filed as: FST ASSOCIATES INC. | 118 S CLINTON ST CHICAGO, IL 60661 | CIGNA DENTAL HEALTH PLAN OF ARIZONA, INC. | -$1 | — | -$1 | -0.01% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 55 E JACKSON BLVD CHICAGO, IL 60604 | CIGNA DENTAL HEALTH OF CALIFORNIA, INC. | $214 | — | $214 | 1.42% |
| FST ASSOCIATES INC3 | 118 S CLINTON CHICAGO, IL 60661 | CIGNA DENTAL HEALTH OF CALIFORNIA, INC. | -$1 | — | -$1 | -0.01% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 55 E JACKSON BLVD CHICAGO, IL 60604 | CIGNA DENTAL HEALTH OF OHIO, INC. | $193 | — | $193 | 1.71% |
| FST ASSOCIATES INC3 Filed as: FST ASSOCIATES, INC. | 118 S CLINTON ST CHICAGO, IL 60661 | CIGNA DENTAL HEALTH OF OHIO, INC. | -$1 | — | -$1 | -0.01% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 55 E JACKSON BLVD CHICAGO, IL 60604 | CIGNA DENTAL HEALTH OF NEW JERSEY, INC | $109 | — | $109 | 1.45% |
| FST ASSOCIATES INC3 | 118 S CLINTON ST CHICAGO, IL 60661 | CIGNA DENTAL HEALTH OF NEW JERSEY, INC | -$3 | — | -$3 | -0.04% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 55 E JACKSON BLVD CHICAGO, IL 60604 | CIGNA DENTAL HEALTH OF NORTH CAROLINA, INC. | $90 | — | $90 | 1.20% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 55 E JACKSON BLVD CHICAGO, IL 60604 | CIGNA DENTAL HEALTH OF MISSOURI, INC. | $81 | — | $81 | 2.15% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNTIONAL MIDWEST LTD | 55 E JACKSON BLVD CHICAGO, IL 60604 | CIGNA DENTAL HEALTH OF PENNSYLVANIA, INC. | $67 | — | $67 | 1.78% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 55 E JACKSON BLVD CHICAGO, IL 60604 | CIGNA DENTAL HEALTH OF VIRGINIA, INC. | $78 | — | $78 | 2.07% |
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 | 4,935 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 136 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 5,071 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(13 contracts, 13 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 1,633 | $674K |
| Vision | EYEMED VISION CARE | 7,353 | $262K |
| Life insurance | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 4,935 | $1.1M |
| Long-term disability | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 4,566 | $751K |
| Other(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 3,087 | $422K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 7,353 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.