| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| R W TROXELL AND COMPANY3 | 214 SOUTH GRAND AVE WEST SPRINGFIELD, IL 62704 | BLUECROSS BLUESHIELD OF ILLINOIS | $32K | $1K | $33K | 1.48% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BPA TROXELL BENEFITS, LLC | 712 IAA DRIVE BLOOMINGTON, IL 61701 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $10K | $3K | $13K | — |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $7K | $7K | — |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BPA TROXELL BENEFITS LLC | 712 IAA DRIVE BLOOMINGTON, IL 61701 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $0 | $4K | — |
| MARK S METTILLE3 | 422 WAUPONSEE ST MORRIS, IL 60450 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $1K | $1K | — |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BPA TROXELL BENEFITS LLC | 712 IAA DRIVE BLOOMINGTON, IL 61701 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $726 | $3K | — |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $863 | $863 | — |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BPA TROXELL BENEFITS LLC | 712 IAA DRIVE BLOOMINGTON, IL 61701 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $785 | $0 | $785 | — |
| MARK S METTILLE3 | 422 WAUPONSEE ST MORRIS, IL 60450 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $313 | $313 | — |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BPA TROXELL BENEFITS LLC | 712 IAA DRIVE BLOOMINGTON, IL 61701 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $1K | $5K | — |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BPA TROXELL BENEFITS LLC | 712 IAA DRIVE BLOOMINGTON, IL 61701 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | — |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORIS, IL 60450 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $1K | $1K | — |
| MARK S METTILLE3 | 422 WAUPONSEE ST MORRIS, IL 60450 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $538 | $538 | — |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BPA TROXELL BENEFITS LLC | 712 IAA DRIVE BLOOMINGTON, IL 61701 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $8K | $3K | $11K | — |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $4K | $4K | — |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BPA TROXELL BENEFITS LLC | 712 IAA DRIVE BLOOMINGTON, IL 61701 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $0 | $3K | — |
| MARK S METTILLE3 | 422 WAUPONSEE ST MORRIS, IL 60450 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $1K | $1K | — |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BPA TROXELL BENEFITS, LLC | 712 IAA DRIVE BLOOMINGTON, IL 61701 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $13K | $4K | $16K | — |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BPA TROXELL BENEFITS LLC | 712 IAA DR BLOOMINGTON, IL 61701 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | $0 | $6K | — |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $5K | $5K | — |
| MARK S METTILLE3 | 422 WAUPONSEE ST MORRIS, IL 60450 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $1K | $1K | — |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BPA TROXELL BENEFITS LLC | 712 IAA DRIVE BLOOMINGTON, IL 61701 | VISION SERVICE PLAN | $1K | — | $1K | — |
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 | 471 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 471 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ILLINOIS | 471 | $2.2M |
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 138 | $0 |
| Vision | VISION SERVICE PLAN | 135 | $0 |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 280 | $0 |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 149 | $0 |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 149 | $0 |
| Prescription drug | BLUECROSS BLUESHIELD OF ILLINOIS | 471 | $2.2M |
| Stop-loss / reinsurancereinsurance | BLUECROSS BLUESHIELD OF ILLINOIS | 471 | $2.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 471 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.