| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTL MIDWEST LIMITED | 55 EAST JACKSON BLVD. CHICAGO, IL 60604 | HARTFORD LIFE AND ACCIDENT | $64K | — | $64K | 8.31% |
| AON CONSULTING INC3 Filed as: AON CONSULTING OF NEW JERSEY INC. | AON CONSULTING INC. 29840 NETWORK PLACE CHICAGO, IL 606731299 | HARTFORD LIFE AND ACCIDENT | $62K | — | $62K | 8.06% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC. | 75 REMITTANCE DRIVE #1446 CHICAGO, IL 60675 | HARTFORD LIFE AND ACCIDENT | — | $700 | $700 | 0.09% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 55 JACKSON BLVD. #14B CHICAGO, IL 606044466 | BLUE CROSS BLUE SHIELD OF ILLINOIS | — | $198 | $198 | 0.09% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 55 EAST JACKSON BLVD. CHICAGO, IL 60604 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $6K | — | $6K | 4.65% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PLACE CHICAGO, IL 60673 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $6K | — | $6K | 4.56% |
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 | 1,560 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 25 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,585 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF ILLINOIS | 36 | $216K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 2,417 | $128K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 2,238 | $774K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 2,238 | $774K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 2,238 | $774K |
| Other | HARTFORD LIFE AND ACCIDENT | 2,238 | $774K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,417 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.