| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL IOWA LLC | 300 W BROADWAY STE 200 COUNCIL BLUFFS, IA 51503 | BLUECROSS BLUESHIELD OF ILLINOIS | — | $29K | $29K | 0.14% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 55 E JACKSON BLVD CHICAGO, IL 60604 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $108K | $108K | 4.52% |
| STEALTH PARTNER GROUP LLC3 | 18940 N PIMA RD SUITE 210 SCOTTSDALE, AZ 85255 | SUN LIFE ASSURANCE COMPANY OF CANADA | $105K | — | $105K | 4.38% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 55 E. JACKSON BOULEVARD 12TH FLOOR A CHICAGO, IL 60604 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | — | $14K | $14K | 1.65% |
| RED GATE GROUP LLC3 | 2 CENTRAL AVE STE 2E MADISON, NJ 07940 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | — | $7K | $7K | 0.88% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD RD STE 300 KIRKWOOD, MO 63122 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | — | $7K | $7K | 0.87% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 55 E. JACKSON BOULEVARD 12TH FLOOR CHICAGO, IL 60604 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | — | $7K | $7K | 1.26% |
| RED GATE GROUP LLC3 | 2 CENTRAL AVE STE 2E MADISON, NJ 07940 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | — | $5K | $5K | 0.91% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRWOOD RD STE 300 KIRKWOOD, MO 63122 | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | — | $3K | $3K | 0.48% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 55 E JACKSON BLVD FL 14 CHICAGO, IL 606044466 | METROPOLITAN LIFE INSURANCE COMPANY | $46K | $15 | $46K | 17.66% |
| 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 | — | $3K | $3K | 1.25% |
| RED GATE GROUP LLC3 | 2 CENTRAL AVE STE 201 MADISON, NJ 079401864 | METROPOLITAN LIFE INSURANCE COMPANY | — | $2K | $2K | 0.83% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 55 E JACKSON BLVD FL 14 CHICAGO, IL 606044466 | METROPOLITAN LIFE INSURANCE COMPANY | $45K | $16 | $45K | 20.04% |
| 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 | — | $3K | $3K | 1.42% |
| RED GATE GROUP LLC3 | 2 CENTRAL AVE STE 201 MADISON, NJ 079401864 | METROPOLITAN LIFE INSURANCE COMPANY | — | $2K | $2K | 0.84% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 165 BROADWAY SUITE 3201 NEW YORK, NY 100060000 | FEDERAL INSURANCE COMPANY | $2K | — | $2K | 20.01% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 55 E JACKSON BLVD FL 14 CHICAGO, IL 606044466 | SAFEGUARD HEALTH PLANS, INC., A FLORIDA CORPORATION | $51 | — | $51 | — |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 16253 COLLECTION CENTER DR 40 W MADISON 4TH FL BOA LOCK BOX SVCS CHICAGO, IL 606930162 | SAFEGUARD HEALTH PLANS, INC., A FLORIDA CORPORATION | — | $15 | $15 | — |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 55 E JACKSON BLVD FL 14 CHICAGO, IL 606044466 | SAFEGUARD HEALTH PLANS, INC., A CALIFORNIA CORPORATION | $183 | — | $183 | — |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 16253 COLLECTION CENTER DR 40 W MADISON 4TH BOA LOCK BOX SCVS CHICAGO, IL 606930162 | SAFEGUARD HEALTH PLANS, INC., A CALIFORNIA CORPORATION | — | $61 | $61 | — |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 55 E JACKSON BLVD FL 14 CHICAGO, IL 606044466 | SAFEGUARD HEALTH PLANS, INC. A TEXAS CORPORATION | $122 | — | $122 | — |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 16253 COLLECTION CENTER DR 40 W MADISON 4TH FL BOA LOCK BOX SVCS CHICAGO, IL 606930162 | SAFEGUARD HEALTH PLANS, INC. A TEXAS CORPORATION | — | $43 | $43 | — |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 55 E JAKSON BLVD FL 14 CHICAGO, IL 606044466 | METROPOLITAN LIFE INSURANCE COMPANY | $79 | — | $79 | — |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 16253 COLLECTION CENTER DR 40 W MADISON 4TH FL BOA LOCK BOX SVCS CHICAGO, IL 606930162 | METROPOLITAN LIFE INSURANCE COMPANY | — | $27 | $27 | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| LINCOLN ASSURANCE CO OF BOSTON EIN 04-6076039 CONTRACT ADMINISTRATOR | Contract Administrator; Claims processing Service code 12 | — | $151K |
| LIBERTY LIFE ASSURANCE CO OF BOSTON EIN 04-6076039 CONTRACT ADMINISTRATOR | Contract Administrator; Claims processing Service code 12 | — | $50K |
| RXBENEFITS, INC. EIN 63-1157085 CLAIMS PROCESSING | Claims processing Service code 12 | — | $15K |
| CENTRO BENEFITS RESEACH LLC BROKER | Insurance agents and brokers; Other commissions Service code 22 | 325 N KIRKWOOD RD STE 300 KIRKWOOD, MO 63122 | $4K |
| METROPOLITAN LIFE INSURANCE COMPANY EIN 13-5581829 SERVICE PROVIDER | Claims processing; Contract Administrator Service code 12 | — | $2K |
| HUB INTERNATIONAL MIDWEST LTD BROKER | Insurance agents and brokers; Other commissions Service code 22 | 55 E JACKSON 12TH FLOOR CHICAGO, IL 60604 | $736 |
| RED GATE GROUP LLC BROKER | Other commissions; Insurance agents and brokers Service code 22 | 2 CENTRAL AVE STE 2E MADISON, NJ 07940 | $702 |
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 | 3,339 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 70 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,409 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ILLINOIS | 6,193 | $20.2M |
| Dental(4 contracts, 4 carriers) | SAFEGUARD HEALTH PLANS, INC., A FLORIDA CORPORATION | 3,441 | $0 |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 3,441 | $0 |
| Life insurance | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 1,574 | $841K |
| Long-term disability | LINCOLN LIFE ASSURANCE COMPANY OF BOSTON | 1,574 | $597K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 3,321 | $2.4M |
| Other(3 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 4,479 | $494K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 6,193 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.