| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PALABE & ASSOCIATES LTD3 | 501 N RIVERSIDE DR, STE #117 GURNEE, IL 60031 | BLUECROSS BLUESHIELD OF ILLINOIS | $41K | $743 | $42K | 2.38% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 1850 W WINCHESTER RD #103 LIBERTYVILLE, IL 60048 | BLUECROSS BLUESHIELD OF ILLINOIS | $27K | — | $27K | 1.55% |
| PALABE & ASSOCIATES LTD3 | 501 N RIVERSIDE DR STE 117 GURNEE, IL 60031 | AETNA LIFE INSURANCE CO. | $7K | — | $7K | 6.73% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 1850 W WINCHESTER RD #103 LIBERTYVILLE, IL 60048 | AETNA LIFE INSURANCE CO. | $3K | — | $3K | 3.38% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | PO BOX 2158 RIVERSIDE, CA 92516 | PRUDENTIAL LIFE INSURANCE COMPANY OF AMERICA | $834 | — | $834 | 4.37% |
| ARACHAS GROUP LLC3 | PO BOX 8152 BARTLETT, IL 60103 | PRUDENTIAL LIFE INSURANCE COMPANY OF AMERICA | $636 | — | $636 | 3.33% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | PO BOX 2158 RIVERSIDE, CA 92506 | PRUDENTIAL LIFE INSURANCE COMPANY OF AMERICA | $750 | — | $750 | 4.35% |
| ARACHAS GROUP LLC3 | PO BOX 8152 BARTLETT, IL 60103 | PRUDENTIAL LIFE INSURANCE COMPANY OF AMERICA | $579 | — | $579 | 3.36% |
| PALABE & ASSOCIATES LTD3 Filed as: PALABE & ASSOCIATES, LTD. | 501 N RIVERSIDE DR, STE #117 GURNEE, IL 60031 | VISION SERVICE PLAN | $484 | — | $484 | 3.33% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | PO BOX 2158 RIVERSIDE, CA 92516 | VISION SERVICE PLAN | $369 | — | $369 | 2.54% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 1850 W WINCHESTER RD #103 LIBERTYVILLE, IL 60048 | VISION SERVICE PLAN | $245 | — | $245 | 1.69% |
| ARACHAS GROUP LLC3 | PO BOX 8152 BARTLETT, IL 60103 | VISION SERVICE PLAN | $195 | — | $195 | 1.34% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | PO BOX 2158 RIVERSIDE, CA 92516 | PRUDENTIAL LIFE INSURANCE COMPANY OF AMERICA | $829 | — | $829 | 6.31% |
| ARACHAS GROUP LLC3 | PO BOX 8152 BARTLETT, IL 60103 | PRUDENTIAL LIFE INSURANCE COMPANY OF AMERICA | $668 | — | $668 | 5.08% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | PO BOX 2158 RIVERSIDE, CA 92506 | PRUDENTIAL LIFE INSURANCE COMPANY OF AMERICA | $163 | — | $163 | 4.38% |
| ARACHAS GROUP LLC3 | PO BOX 8152 BARTLETT, IL 60103 | PRUDENTIAL LIFE INSURANCE COMPANY OF AMERICA | $124 | — | $124 | 3.33% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | PO BOX 2158 RIVERSIDE, CA 92506 | PRUDENTIAL LIFE INSURANCE COMPANY OF AMERICA | $131 | — | $131 | 6.23% |
| ARACHAS GROUP LLC3 | PO BOX 8152 BARTLETT, IL 60103 | PRUDENTIAL LIFE INSURANCE COMPANY OF AMERICA | $9 | — | $9 | 0.43% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | PO BOX 2158 RIVERSIDE, CA 92506 | PRUDENTIAL LIFE INSURANCE COMPANY OF AMERICA | $75 | — | $75 | 5.24% |
| ARACHAS GROUP LLC3 | PO BOX 8152 BARTLETT, IL 60103 | PRUDENTIAL LIFE INSURANCE COMPANY OF AMERICA | $59 | — | $59 | 4.12% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | PO BOX 2158 RIVERSIDE, CA 92506 | PRUDENTIAL LIFE INSURANCE COMPANY OF AMERICA | $131 | — | $131 | 27.29% |
| ARACHAS GROUP LLC3 | PO BOX 8152 BARTLETT, IL 60103 | PRUDENTIAL LIFE INSURANCE COMPANY OF AMERICA | $9 | — | $9 | 1.88% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| COMPSYCH | Contract Administrator Service code 13 | — | $1K |
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 | 117 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 119 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ILLINOIS | 255 | $1.8M |
| Dental | AETNA LIFE INSURANCE CO. | 249 | $100K |
| Vision | VISION SERVICE PLAN | 97 | $15K |
| Life insurance | PRUDENTIAL LIFE INSURANCE COMPANY OF AMERICA | 122 | $19K |
| Long-term disability | PRUDENTIAL LIFE INSURANCE COMPANY OF AMERICA | 122 | $17K |
| Other(5 contracts) | PRUDENTIAL LIFE INSURANCE COMPANY OF AMERICA | 122 | $21K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 255 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.