| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL IOWA LLC | 212 BRADY ST STE 4B DAVENPORT, IA 52801 | BLUECROSS BLUESHIELD OF ILLINOIS | $44K | — | $44K | 1.28% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL OF ILLINOIS LTD | 300 N LASALLE ST 17TH FLR CHICAGO, IL 60654 | BLUECROSS BLUESHIELD OF ILLINOIS | — | $4K | $4K | 0.12% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL IOWA LLC | 215 NORTH MAIN STREET SUITE 700 DAVENPORT, IA 52801 | UNION SECURITY INSURANCE COMPANY | $7K | — | $7K | 9.93% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 15162 COLLECTION CENTER DR CHICAGO, IL 60693 | VISION SERVICE PLAN | $2K | — | $2K | 3.22% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: TWO RIVERS INSURANCE | 215 NORTH MAIN STREET DAVENPORT, IA 52801 | VISION SERVICE PLAN | $177 | — | $177 | 0.33% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL IOWA LLC | 212 BRADY ST STE 4B DAVENPORT, IA 52801 | UNION SECURITY INSURANCE COMPANY | $10K | — | $10K | 27.75% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL IOWA LLC | 212 BRADY ST STE 4B DAVENPORT, IA 52801 | UNION SECURITY INSURANCE COMPANY | $4K | — | $4K | 14.26% |
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 | 403 | 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) | 403 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ILLINOIS | 1,093 | $3.4M |
| Vision | VISION SERVICE PLAN | 386 | $54K |
| Life insurance(2 contracts) | UNION SECURITY INSURANCE COMPANY | 403 | $101K |
| Short-term disability | UNION SECURITY INSURANCE COMPANY | 403 | $72K |
| Long-term disability | UNION SECURITY INSURANCE COMPANY | 403 | $72K |
| Stop-loss / reinsurancereinsurance | BLUECROSS BLUESHIELD OF ILLINOIS | 1,093 | $3.4M |
| Other(3 contracts) | UNION SECURITY INSURANCE COMPANY | 403 | $138K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,093 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.