| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 | 55 E. JACKSON BLVD. CHICAGO, IL 606044466 | BLUECROSS BLUESHIELD OF ILLINOIS | $64K | $2K | $67K | 3.96% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 1560 ORANGE AVE. SUITE 750 WINTER PARK, FL 327895552 | PRINCIPAL LIFE INSURANCE COMPANY | $18K | $0 | $18K | 10.41% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL LIMITED | 300 N. LASALLE ST. 17TH FLOOR CHICAGO, IL 60654 | PRINCIPAL LIFE INSURANCE COMPANY | $0 | $7K | $7K | 3.95% |
| GARRY LYNN JOHNSON3 | 3850 E. BASELINE RD, SUITE 121 MESA, AZ 852064404 | PRINCIPAL LIFE INSURANCE COMPANY | $904 | $3K | $4K | 2.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 1560 ORANGE AVE. SUITE 750 WINTER PARK, FL 327895552 | PRINCIPAL LIFE INSURANCE COMPANY | $10K | — | $10K | 9.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL LIMITED | 300 N. LASALLE ST. 17TH FLOOR CHICAGO, IL 60654 | PRINCIPAL LIFE INSURANCE COMPANY | $0 | $4K | $4K | 3.94% |
| GARRY LYNN JOHNSON3 | 3850 E. BASELINE RD. SUITE 121 MESA, AZ 852064404 | PRINCIPAL LIFE INSURANCE COMPANY | $547 | $2K | $2K | 2.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 15162 COLLECTION CENTER DRIVE CHICAGO, IL 606930001 | VISION SERVICE PLAN | $774 | $0 | $774 | 7.25% |
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 | 135 | 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) | 137 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ILLINOIS | 257 | $1.7M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 293 | $108K |
| Vision | VISION SERVICE PLAN | 76 | $11K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 135 | $177K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 135 | $177K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 135 | $177K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 293 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.