| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TRUENORTH COMPANIES LC3 Filed as: TRUENORTH COMPANIES, L.C. | PO BOX 1863 CEDAR RAPIDS, IA 324061863 | BLUECROSS BLUESHIELD OF ILLINOIS | $41K | — | $41K | 2.04% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 55 E JACKSON BLVD CHICAGO, IL 60604 | BLUECROSS BLUESHIELD OF ILLINOIS | $34K | $2K | $36K | 1.79% |
| KYLE D MERTZ3 | 500 1ST ST SE CEDAR RAPIDS, IL 52401 | DEARBORN LIFE INSURANCE COMPANY | $13K | — | $13K | 8.50% |
| LERONE SIDBERRY3 Filed as: LERONE A SIDBERRY | HUB INTERNATIONAL 55 E JACKSON BLVD CHICAGO, IL 60604 | DEARBORN LIFE INSURANCE COMPANY | $10K | — | $10K | 6.50% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 55 E JACKSON BLVD 12TH FL CHICAGO, IL 60604 | DEARBORN LIFE INSURANCE COMPANY | $0 | $8K | $8K | 5.16% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST WEST | 55 E JACKSON BLVD FL 14 CHICAGO, IL 606041423 | DELTA DENTAL OF ILLINOIS | $10K | — | $10K | 6.79% |
| TRUENORTH COMPANIES LC3 | PO BOX 1863 CEDAR RAPIDS, IA 324061863 | DELTA DENTAL OF ILLINOIS | $8K | — | $8K | 5.05% |
| TRUE NORTH COMPANIES LC3 Filed as: TRUE NORTH COMPANIES, L.C. | PO BOX 1863 CEDAR RAPIDS, IL 524061863 | VISION SERVICE PLAN | $1K | — | $1K | 5.55% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 55 E JACKSON BLVD FL 14 CHICAGO, IL 606044466 | VISION SERVICE PLAN | $897 | — | $897 | 4.40% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 1411 OPUS PL STE 450 DOWNERS GROVE, IL 605151423 | VISION SERVICE PLAN | $179 | — | $179 | 0.88% |
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 | 234 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 236 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ILLINOIS | 345 | $2.0M |
| Dental | DELTA DENTAL OF ILLINOIS | 142 | $152K |
| Vision | VISION SERVICE PLAN | 135 | $20K |
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 234 | $155K |
| Short-term disability | DEARBORN LIFE INSURANCE COMPANY | 234 | $155K |
| Long-term disability | DEARBORN LIFE INSURANCE COMPANY | 234 | $155K |
| Other | DEARBORN LIFE INSURANCE COMPANY | 234 | $155K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 345 | — |
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.