| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JAMES R TAYLOR AGENCY INC3 Filed as: JAMES R. TAYLOR AGENCY, INC | 303 W MADISON ST. CHICAGO, IL 60630 | AETNA LIFE INSURANCE CO. | $32K | — | $32K | 3.78% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | EMPLOYEE BENEFITS DEPARTMENT CHICAGO, IL 60604 | AETNA LIFE INSURANCE CO. | $3K | — | $3K | 0.39% |
| PATRIOT GROWTH INSURANCE SERVICES3 | 303 W. MADISON STREET SUITE 2000 CHICAGO, IL 60606 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $0 | $3K | $3K | 3.62% |
| FLEXIBLE BENEFIT SERVICE CORP3 | 8700 W BRYN MAWR AVE STE 1000S CHICAGO, IL 60631 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | — | $1K | 2.81% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 16253 COLLECTION CENTER DR 40W MAD 4TH FL CHICAGO, IL 60693 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $49 | $49 | 0.11% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 55 E JACKSON BLVD FL 14 CHICAGO, IL 60604 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $21 | $21 | 0.05% |
| JAMES R TAYLOR AGENCY INC3 Filed as: JAMES R TAYLOR AGENCY, INC. | 4849 N MILWAUKEE AVE STE 506 CHICAGO, IL 60630 | VISION SERVICE PLAN | $782 | — | $782 | 6.71% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| EMPLOYEE BENEFITS CORPORATION EIN 39-2044064 CLAIMS PROCESSING | Claims processing; Contract Administrator Service code 12 | — | $7K |
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 | 187 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 191 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE CO. | 281 | $844K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 104 | $84K |
| Vision | VISION SERVICE PLAN | 116 | $12K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 244 | $46K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 244 | $46K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 244 | $46K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 244 | $46K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 281 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.