| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EBCG LLC3 | 2505 LAKESIDE DR BANNOCKBURN, IL 60015 | UNITEDHEALTHCARE INSURANCE COMPANY | $9K | $64K | $73K | 1.95% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 1411 OPUS PL STE 450 DOWNERS GROVE, IL 60515 | UNITEDHEALTHCARE INSURANCE COMPANY | $801 | — | $801 | 0.02% |
| EBCG LLC3 | 2205 LAKESIDE DR. BANNOCKBURN, IL 60015 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 8.35% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 55 E JACKSON BLVD. #14A CHICAGO, IL 60604 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $477 | $111 | $588 | 0.74% |
| EBCG LLC3 | 2205 LAKESIDE DR. BANNOCKBURN, IL 60015 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $10K | — | $10K | 15.66% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 55 E JACKSON BLVD. #14A CHICAGO, IL 60604 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $272 | $1K | 2.10% |
| EBCG LLC3 | 2205 LAKESIDE DR. BANNOCKBURN, IL 60015 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 12.99% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 55 E JACKSON BLVD. #14A CHICAGO, IL 60604 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $786 | $210 | $996 | 3.42% |
| EBCG LLC3 | 2205 LAKESIDE DR. BANNOCKBURN, IL 60015 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $893 | — | $893 | 13.66% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 55 E JACKSON BLVD. #14A CHICAGO, IL 60604 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $87 | $10 | $97 | 1.48% |
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 | 221 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 221 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 954 | $3.7M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 954 | $3.7M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 954 | $3.7M |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 219 | $80K |
| Short-term disability(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 219 | $142K |
| Long-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 219 | $141K |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 219 | $86K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 954 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.