| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| 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 | $17K | $52K | $69K | 2.74% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 55 E JACKSON BLVD FLOOR 14B CHICAGO, IL 60604 | CONTINENTAL AMERICAN INSURANCE COMPANY | $63K | — | $63K | 7.92% |
| ZUREK & ASSOCIATES LLC3 | 210 DES PLAINES AVE UNIT D FOREST PARK, IL 60130 | CONTINENTAL AMERICAN INSURANCE COMPANY | $21K | — | $21K | 2.67% |
| ANGELA SCHIEK3 | 953 WILLOW LN DUNDEE, IL 60118 | CONTINENTAL AMERICAN INSURANCE COMPANY | $9K | — | $9K | 1.16% |
| OVERBECK INSURANCE SERVICES3 | 1033 SOUTH BLVD OAK PARK, IL 60302 | CONTINENTAL AMERICAN INSURANCE COMPANY | $7K | — | $7K | 0.84% |
| VICKI L CIGER3 | 4020 OAK TREE LANE PLANIFIELD, IL 60586 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6K | — | $6K | 0.79% |
| WESTERMAYER AND ASSOCIATES LLC3 | 14901 QUORUM RD ADDISON, TX 75254 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | — | $3K | 0.43% |
| TIFFANY ANNE KING3 Filed as: TIFFANY A KING | 1010 LAKE ST SUITE 430 OAK PARK, IL 60301 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 0.29% |
| BRIAN WHITE3 Filed as: BRIAN HANLEY | 506 CANTERBURY DRIVE LAGRANGE, GA 30241 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 0.14% |
| MARTHA A DUBOIS3 | 8431 S 84TH AVENUE HICKORY HILLS, IL 60439 | CONTINENTAL AMERICAN INSURANCE COMPANY | $823 | — | $823 | 0.10% |
| SEENA JOHN3 | 15419 W 127TH ST LEMONT, IL 60439 | CONTINENTAL AMERICAN INSURANCE COMPANY | $823 | — | $823 | 0.10% |
| MICHELLE WELTY3 | 1616 MARLBORO LN CREST HILL, IL 60403 | CONTINENTAL AMERICAN INSURANCE COMPANY | $823 | — | $823 | 0.10% |
| CHRISTOPHER A SKEETERS3 | 14 PARTRIDGE ROAD SPRINGFIELD, IL 62711 | CONTINENTAL AMERICAN INSURANCE COMPANY | $812 | — | $812 | 0.10% |
| ERIC MCCLELLAND3 Filed as: ERIC M MCCLELLAND | 6231 N 96TH STREET FOWLER, IL 62338 | CONTINENTAL AMERICAN INSURANCE COMPANY | $812 | — | $812 | 0.10% |
| MARIA NOVOA3 | 26 COUR D'ALENE PALOS HILLS, IL 60465 | CONTINENTAL AMERICAN INSURANCE COMPANY | $812 | — | $812 | 0.10% |
| RUSSELL NOWAK3 | 8009 VALLEY DRIVE PALOS HILLS, IL 60465 | CONTINENTAL AMERICAN INSURANCE COMPANY | $812 | — | $812 | 0.10% |
| VICKI S LYNN3 | PO BOX 164 408 W MAIN ARENZVILLE, IL 62611 | CONTINENTAL AMERICAN INSURANCE COMPANY | $715 | — | $715 | 0.09% |
| NORMA HUERTA3 | 14420 S ALBANY AVE POSEN, IL 60465 | CONTINENTAL AMERICAN INSURANCE COMPANY | $430 | — | $430 | 0.05% |
| RONALD E JAGODZINSKI3 | 6 CARL ST RIVERTON, IL 62561 | CONTINENTAL AMERICAN INSURANCE COMPANY | $427 | — | $427 | 0.05% |
| EL TORRO INC3 | 14031 JOHN HUMPHREY DR ORLAND PARK, IL 60301 | CONTINENTAL AMERICAN INSURANCE COMPANY | $427 | — | $427 | 0.05% |
| COLIN M JONES3 | 1125 HAMPSHIRE SUITE 201 QUINCY, IL 62301 | CONTINENTAL AMERICAN INSURANCE COMPANY | $427 | — | $427 | 0.05% |
| THE PROFECTUS GROUP LLC3 | 30 W RUSSELL RD COLUMBUS, OH 43215 | CONTINENTAL AMERICAN INSURANCE COMPANY | $358 | — | $358 | 0.04% |
| KENNETH JACKSON3 | 1111 W MORTON AVE SUITE 10 JACKSONVILLE, IL 62650 | CONTINENTAL AMERICAN INSURANCE COMPANY | $0 | — | $0 | 0.00% |
| DEVIN M PEGRAM3 | 1450 LENHART ROAD SPRINGFIELD, IL 62711 | CONTINENTAL AMERICAN INSURANCE COMPANY | $0 | — | $0 | 0.00% |
| 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 | $51K | $8K | $59K | 17.45% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 1411 OPUS PL STE 450 DOWNERS GROVE, IL 605151423 | VISION SERVICE PLAN | $7K | — | $7K | 3.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUECROSS BLUESHIELD OF ILLINOIS EIN 36-1236610 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $1.6M |
| RXBENEFITS EIN 63-1157085 CLAIMS PROCESSING | Claims processing Service code 12 | — | $28K |
| HUB INTERNATIONAL MIDWEST LIMITED BROKER | Insurance agents and brokers Service code 22 | 55 E JACKSON BLVD CHICAGO, IL 60604 | $0 |
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 | 2,323 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,327 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 1,022 | $7.8M |
| Vision | VISION SERVICE PLAN | 1,580 | $218K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,323 | $2.5M |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,323 | $2.5M |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 1,022 | $7.8M |
| Other(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 2,323 | $3.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,323 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.