| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 | 55 E JACKSON BLVD CHICAGO, IL 60604 | UNITEDHEALTHCARE INSURANCE COMPANY | $32K | — | $32K | 5.04% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 55 E JACKSON BLVD FLOOR 14B CHICAGO, IL 60604 | GUARDIAN | $6K | $3K | $9K | 15.29% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 55 E JACKSON BLVD FLOOR 14B CHICAGO, IL 60604 | GUARDIAN | $56 | — | $56 | 0.09% |
| THE PIETSCH FINANCIAL GROUP3 Filed as: THE PIETSCH FINANCIAL GROUP, INC. | 1751 LAKE COOK ROAD SUITE 350 DEERFIELD, IL 60015 | GUARDIAN | $28 | — | $28 | 0.05% |
| MARK J MATSOCK & ASSOCIATES INC3 Filed as: MARK C PIETSCH | 10816 CRYSTAL SPRINGS LANE ORLAND PARK, IL 60467 | GUARDIAN | $2 | — | $2 | 0.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 55 E JACKSON BLVD #14A CHICAGO, IL 60604 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $3K | $7K | 13.78% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 55 E JACKSON CHICAGO, IL 60604 | EYEMED | $609 | — | $609 | 9.73% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 55 E JACKSON BLVD #14A CHICAGO, IL 60604 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $249 | $1K | 26.00% |
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 | 143 | 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) | 143 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 122 | $636K |
| Dental | GUARDIAN | 91 | $60K |
| Vision | EYEMED | 115 | $6K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 143 | $52K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 143 | $52K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 143 | $52K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 122 | $636K |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 143 | $57K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 143 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.