| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 | 203 N LASALLE ST FL 20 CHICAGO, IL 60601 | BLUECROSS BLUESHIELD OF ILLINOIS | $69K | $8K | $77K | 4.49% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 55 E JACKSON BLVD 12TH FLOOR CHICAGO, IL 60604 | DEARBORN LIFE INSURANCE COMPANY | $14K | $5K | $19K | 14.36% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R. NELLIGAN & ASSOCIATES LLC | 1933 STATE ROUTE 35 STE 368 WALL TOWNSHIP, NJ 07719 | DEARBORN LIFE INSURANCE COMPANY | — | $7K | $7K | 5.01% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 203 N LA SALLE ST FL 20 CHICAGO, IL 60601 | AFLAC | $42 | — | $42 | 4.74% |
| ANGELA SCHIEK3 | 953 WILLOW LANE SLEEPY HOLLOW, IL 60118 | AFLAC | $29 | — | $29 | 3.27% |
| VICKI L CIGER3 | 2919 HAMPTON AVE NORTH AURORA, IL 60542 | AFLAC | $14 | — | $14 | 1.58% |
| DANIEL E ELLIS3 Filed as: DANIEL ELLIS | 313 N KENILWORTH AVE OAK PARK, IL 60302 | AFLAC | $7 | — | $7 | 0.79% |
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 | 229 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 230 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ILLINOIS | 229 | $1.7M |
| Dental | BLUECROSS BLUESHIELD OF ILLINOIS | 229 | $1.7M |
| Vision | DEARBORN LIFE INSURANCE COMPANY | 155 | $135K |
| Life insurance(2 contracts, 2 carriers) | DEARBORN LIFE INSURANCE COMPANY | 155 | $136K |
| Short-term disability | DEARBORN LIFE INSURANCE COMPANY | 155 | $135K |
| Long-term disability | DEARBORN LIFE INSURANCE COMPANY | 155 | $135K |
| Other(2 contracts, 2 carriers) | DEARBORN LIFE INSURANCE COMPANY | 155 | $136K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 229 | — |
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.