| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 | — | BLUECROSS BLUESHIELD OF ILLINOIS | $41K | $7K | $48K | 3.28% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | — | BLUECROSS BLUESHIELD OF ILLINOIS | $40K | $5K | $46K | 3.37% |
| THOREK MEMORIAL HOSPITAL3 | — | BLUECROSS BLUESHIELD OF ILLINOIS | $1 | — | $1 | 0.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 55 EAST JACKSON 12TH FLOOR CHICAGO, IL 60604 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $11K | $3K | $14K | 9.43% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 NORTH KIRKWOOD ROAD SUITE 300 KIRKWOOD, MO 63122 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $8K | — | $8K | 5.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 55 EAST JACKSON 12TH FLOOR CHICAGO, IL 60604 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $9K | $3K | $12K | 10.38% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 072103 CARMEL 2 PO BOX 4135 CLINTON, IA 52733 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $9K | $1K | $10K | 8.60% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 NORTH KIRKWOOD ROAD SUITE 300 KIRKWOOD, MO 63122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $6K | $6K | 5.42% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 55 EAST JACKSON 12TH FLOOR CHICAGO, IL 60604 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $929 | $4K | 9.70% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 072103 CARMEL 2 PO BOX 4135 CLINTON, IA 52733 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $355 | $4K | 8.34% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 NORTH KIRKWOOD ROAD SUITE 300 KIRKWOOD, MO 63122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $3K | $3K | 6.12% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 55 EAST JACKSON 12TH FLOOR CHICAGO, IL 60604 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $544 | $2K | 10.52% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 650 RAST CARMEL DRIVE SUITE 350 CARMEL, IN 46032 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $207 | $2K | 8.65% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 NORTH KIRKWOOD ROAD SUITE 300 KIRKWOOD, MO 63122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $1K | $1K | 5.68% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 55 EAST JACKSON 12TH FLOOR CHICAGO, IL 60604 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $823 | $257 | $1K | 9.85% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 72103 CARMEL 2 PO BOX 4135 CLINTON, IA 52733 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $823 | $98 | $921 | 8.40% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 NORTH KIRKWOOD ROAD SUITE 300 SAINT LOUIS, MO 63122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $668 | $668 | 6.09% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 55 EAST JACKSON 12TH FLOOR CHICAGO, IL 60604 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $541 | $437 | $978 | 18.08% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALAGHER BENEFIT SERVICES INC | PO BOX 4135 072103 CARMEL 2 CLINTON, IA 52733 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $541 | $284 | $825 | 15.25% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 NORTH KIRKWOOD ROAD SUITE 300 KIRKWOOD, MO 63122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $271 | $271 | 5.01% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 55 EAST JACKSON 12TH FLOOR CHICAGO, IL 60604 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $384 | $255 | $639 | 16.63% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 4135 072103 CARMEL 2 CLINTON, IA 52733 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $384 | $166 | $550 | 14.32% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 NORTH KIRKWOOD ROAD SUITE 300 KIRKWOOD, MO 63122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $192 | $192 | 5.00% |
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 | 312 | 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) | 312 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ILLINOIS | 187 | $1.3M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 273 | $152K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 273 | $152K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 347 | $29K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 106 | $42K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 347 | $114K |
| Stop-loss / reinsurancereinsurance | BLUECROSS BLUESHIELD OF ILLINOIS | 251 | $1.5M |
| Other(5 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 347 | $80K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 347 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.