| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| R W TROXELL & COMPANY3 | 214 S GRAND AVE WEST SPRINGFIELD, IL 62704 | BLUECROSS BLUESHIELD OF ILLINOIS | $44K | — | $44K | 2.50% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BPA TROXELL BENEFITS | 712 LAA DR BLOOMINGTON, IL 61701 | BLUECROSS BLUESHIELD OF ILLINOIS | — | $2K | $2K | 0.14% |
| R W TROXELL & COMPANY3 Filed as: R.W. TROXELL & COMPANY | 214 S GRAND AVE WEST SPRINGFIELD, IL 62704 | BLUECROSS BLUECROSS OF ILLINOIS | $14K | — | $14K | 9.98% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BPA TROXELL BENEFITS LLC | 712 IAA DR BLOOMINGTON, IL 61701 | SUN LIFE ASSURANCE COMPANY OF CANADA | $12K | $2K | $14K | 11.18% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BPA TROXELL BENEFITS LLC | 712 IAA DRIVE BLOOMINGTON, IL 61701 | DEARBORN LIFE INSURANCE COMPANY | $2K | — | $2K | 10.01% |
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 | 191 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 191 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ILLINOIS | 365 | $1.8M |
| Dental | BLUECROSS BLUECROSS OF ILLINOIS | 395 | $140K |
| Vision | DEARBORN LIFE INSURANCE COMPANY | 122 | $19K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 268 | $129K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 268 | $129K |
| Prescription drug | BLUECROSS BLUESHIELD OF ILLINOIS | 365 | $1.8M |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 268 | $129K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 395 | — |
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.