| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 | 55 EAST JACKSON BOULEVARD SUITE 14A CHICAGO, IL 60604 | BLUE CROSS BLUE SHIELD OF ILLINOIS | $45K | $3K | $48K | 4.08% |
| FST ASSOCIATION INC3 Filed as: FST ASSOCIATION INC. | 55 W MONROE ST., STE 500 CHICAGO, IL 60603 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $365 | $2K | 2.25% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 55 E JACKSON BLVD CHICAGO, IL 60604 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 2.10% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 55 JACKSON BLVD FL 14 CHICAGO, IL 60604 | METROPOLITAN LIFE INSURANCE COMPANY | -$2K | — | -$2K | -1.95% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 55 EAST JACKSON BOULEVARD SUITE 14A CHICAGO, IL 60604 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | $1K | $7K | 11.25% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 15162 COLLECTION CENTER DRIVE CHICAGO, IL 60693 | VISION SERVICE PLAN | $930 | — | $930 | 6.18% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 55 EAST JACKSON BOULEVARD FL 12 CHICAGO, IL 60604 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $417 | — | $417 | 7.18% |
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 | 113 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 116 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF ILLINOIS | 231 | $1.2M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 344 | $78K |
| Vision | VISION SERVICE PLAN | 103 | $15K |
| Life insurance | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 108 | $6K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 111 | $65K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 111 | $65K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF ILLINOIS | 231 | $1.2M |
| Other | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 108 | $6K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 344 | — |
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.