| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 | 55 E JACKSON BLVD CHICAGO, IL 60604 | BLUECROSS BLUESHIELD OF ILLINOIS | $76K | — | $76K | 4.05% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL IOWA LLC | 300 W BROADWAY STE 200 COUNCIL BLUFFS, IA 51503 | BLUECROSS BLUESHIELD OF ILLINOIS | — | $2K | $2K | 0.11% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | LERONE A SIDBERRY 55 E JACKSON BLVD CHICAGO, IL 60604 | DEARBORN LIFE INSURANCE COMPANY | $22K | — | $22K | 15.00% |
| STUMM INSURANCE LLC3 | 6601 N AVONDALE AVE STE 201 CHICAGO, IL 606311567 | DEARBORN LIFE INSURANCE COMPANY | — | $6K | $6K | 3.84% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST WEST | 55 E JACKSON BLVD CHICAGO, IL 60604 | DELTA DENTAL OF ILLINOIS | $17K | — | $17K | 12.13% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 15162 COLLECTION CENTER CHICAGO, IL 606930001 | VISION SERVICE PLAN | $2K | — | $2K | 10.02% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 2800 S RIVER RD STE 130 DES PLAINES, IL 60018 | VISION SERVICE PLAN | $467 | — | $467 | 2.00% |
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 | 181 | 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) | 181 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ILLINOIS | 424 | $1.9M |
| Dental | DELTA DENTAL OF ILLINOIS | 183 | $138K |
| Vision | VISION SERVICE PLAN | 176 | $23K |
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 281 | $148K |
| Short-term disability | DEARBORN LIFE INSURANCE COMPANY | 281 | $148K |
| Long-term disability | DEARBORN LIFE INSURANCE COMPANY | 281 | $148K |
| Other | DEARBORN LIFE INSURANCE COMPANY | 281 | $148K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 424 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.