| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| R W TROXELL & COMPANY3 | 214 S GRAND AVE W SPRINGFIELD, IL 62704 | BLUECROSS BLUESHIELD OF ILLINOIS | $96K | — | $96K | 2.44% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BPA TROXELL BENEFITS LLC | 712 IAA DR BLOOMINGTON, IL 61701 | BLUECROSS BLUESHIELD OF ILLINOIS | — | $8K | $8K | 0.19% |
| R W TROXELL & COMPANY3 Filed as: R W TROXELL & CO | 214 SOUTH GRAND AVE WEST SPRINGFIELD, IL 62704 | DEARBORN LIFE INSURANCE COMPANY | $11K | — | $11K | 4.26% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BPA TROXELL BENEFITS LLC | 712 IAA DR BLOOMINGTON, IL 61701 | DEARBORN LIFE INSURANCE COMPANY | $9K | — | $9K | 3.51% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BPA TROXELL BENEFITS LLC | 712 IAA DR BLOOMINGTON, IL 617012219 | VISION SERVICE PLAN | $1K | — | $1K | 6.57% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BPA TROXELL BENEFITS LLC | 712 IAA DR BLOOMINGTON, IL 61701 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $26 | — | $26 | 14.94% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BPA TROXELL BENEFITS LLC | 712 IAA DR BLOOMINGTON, IL 61701 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7 | — | $7 | 15.91% |
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 | 323 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 328 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ILLINOIS | 476 | $4.0M |
| Dental | BLUECROSS BLUESHIELD OF ILLINOIS | 476 | $4.0M |
| Vision(2 contracts, 2 carriers) | DEARBORN LIFE INSURANCE COMPANY | 541 | $277K |
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 541 | $261K |
| Short-term disability | DEARBORN LIFE INSURANCE COMPANY | 541 | $261K |
| Long-term disability(2 contracts, 2 carriers) | DEARBORN LIFE INSURANCE COMPANY | 541 | $261K |
| Prescription drug | BLUECROSS BLUESHIELD OF ILLINOIS | 476 | $4.0M |
| Other(2 contracts, 2 carriers) | DEARBORN LIFE INSURANCE COMPANY | 541 | $261K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 541 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.