| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFIT PLANNING ASSOCIATES5 | 712 IAA DRIVE P.O. 7 BLOOMINGTON, IL 61701 | BLUE CROSS BLUE SHIELD OF ILLINOIS | — | $30K | $30K | 0.05% |
| HUB INTERNATIONAL MIDWEST LIMITED5 Filed as: BPA TROXELL BENEFITS LLC | 712 IAA DRIVE P.O. BOX 7 BLOOMINGTON, IL 61701 | DELTA DENTAL OF ILLINOIS | $185K | — | $185K | 7.45% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BPA TROXELL BENEFITS LLC | 712 IAA DR BLOOMINGTON, IL 61701 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $26K | $26K | 1.57% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BPA TROXELL BENEFITS, LLC | 712 IAA DR BLOOMINGTON, IL 61701 | VISION SERVICE PLAN | $34K | — | $34K | 2.52% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BPA TROXELL BENEFITS LLC | 712 IAA DR BLOOMINGTON, IL 61701 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $11K | $11K | 1.86% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BPA TROXELL BENEFITS LLC | 712 IAA DR BLOOMINGTON, IL 61701 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $8K | $8K | 1.89% |
| BENEFITSTORE INC3 | 100 BENEFITSFOCUS WAY CHARLESTON, SC 29492 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $92K | — | $92K | 33.45% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BPA TROXELL BENEFITS LLC | 712 IAA DR BLOOMINGTON, IL 61701 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $4K | $4K | 1.87% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BPA TROXELL BENEFITS LLC | 712 IAA DRIVE BLOOMINGTON, IL 61701 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $4K | $4K | 2.18% |
| BENEFITSTORE INC3 | 100 BENEFITFOCUS WAY CHARLESTON, SC 29492 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $19K | — | $19K | 14.20% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BPA TROXELL BENEFITS LLC | 712 IAA DR BLOOMINGTON, IL 61701 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $2K | $2K | 2.25% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BPA TROXELL BENEFITS LLC | 712 IAA DR BLOOMINGTON, IL 61701 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $1K | $1K | 2.16% |
| EOI SERVICE COMPANY INC3 Filed as: EOI SERVICE COMPANY, INC. | 1020 E 1ST ST STE 400 SANTA ANA, CA 92705 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2 | — | $2 | 3.64% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BPA TROXELL BENEFITS LLC | 712 IAA DR BLOOMINGTON, IL 61701 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1 | — | $1 | 1.82% |
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 | 11,696 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 332 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 12,028 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF ILLINOIS | 11,695 | $58.0M |
| Dental | DELTA DENTAL OF ILLINOIS | 4,287 | $2.5M |
| Vision | VISION SERVICE PLAN | 3,618 | $1.4M |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 4,538 | $1.8M |
| Short-term disability(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,763 | $502K |
| Long-term disability(3 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,588 | $867K |
| Other(3 contracts, 3 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,084 | $406K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 11,695 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.