| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 | 1411 OPUS PL STE 450 DOWNERS GROVE, IL 60515 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $43K | $43K | 5.11% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 3635 RIVERSISDE PLAZA DR RIVERSIDE, CA 92506 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $4K | $4K | 0.44% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 1411 OPUS PL STE 450 DOWNERS GROVE, IL 59092 | UNITEDHEALTHCARE INSURANCE COMPANY | $11K | — | $11K | 15.33% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 55 E JACKSON BLVD FL 14 CHICAGO, IL 606044466 | VISION SERVICE PLAN | $722 | — | $722 | 7.60% |
| FLEXIBLE BENEFIT SERVICE CORP3 | 8770 W BRYN MAWR AVE STE 1290W CHICAGO, IL 60631 | VISION SERVICE PLAN | $472 | — | $472 | 4.97% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD IL | 55 E JACKSON BLVD CHICAGO, IL 60604 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $786 | $264 | $1K | 28.04% |
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 | 167 | 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) | 167 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 104 | $847K |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 120 | $69K |
| Vision | VISION SERVICE PLAN | 99 | $10K |
| Life insurance | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 167 | $4K |
| Other | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 167 | $4K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 167 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.