| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSURANCE AGENCY LTD3 | 20 N MARTINGALE RD STE 100 SCHAUMBURG, IL 601732423 | BLUECROSS BLUESHIELD OF ILLINOIS | $88K | — | $88K | 3.92% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 55 E JACKSON BLVD CHICAGO, IL 60604 | BLUECROSS BLUESHIELD OF ILLINOIS | $28K | — | $28K | 1.26% |
| ASSURANCE AGENCY LTD3 | 20 N MARTINDALE RD STE 100 SCHAUMBURG, IL 601732423 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | $27 | $9K | 6.64% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 55 E JACKSON BLVD FL 14 CHICAGO, IL 606044466 | METROPOLITAN LIFE INSURANCE COMPANY | $717 | $21 | $738 | 0.57% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 16253 COLLECTION CENTER DR 40 W MADISON 4TH FL BANK OF AMERICA CHICAGO, IL 606930162 | METROPOLITAN LIFE INSURANCE COMPANY | — | $271 | $271 | 0.21% |
| ASSURANCE AGENCY LTD3 | 20 NORTH MARTINGALE ROAD SUITE 100 SCHAUMBURG, IL 60173 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 4.10% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 3390 UNIVERSITY AVE., SUITE 300 RIVERSIDE, CA 92501 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 1.44% |
| ASSURANCE AGENCY LTD3 Filed as: ASSURANCE AGENCY, LTD | 20 N MARTINGALE RD STE 100 SCHAUMBURG, IL 601732423 | VISION SERVICE PLAN | $945 | — | $945 | 6.43% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 15162 COLLECTION CENTER DR CHICAGO, IL 606930001 | VISION SERVICE PLAN | $306 | — | $306 | 2.08% |
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 | 227 | 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) | 227 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 153 | $85K |
| Vision | VISION SERVICE PLAN | 117 | $15K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 227 | $130K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 227 | $130K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 227 | $130K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 227 | $130K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 260 | — |
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."
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.