| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| UNKNOWN3 | — | BLUE CARE NETWORK | $180K | — | $180K | 2.90% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB/INT'L MIDWEST LMTD (MI) | 300 N. LASALLE STREET 17TH FLOOR CHICAGO, IL 60654 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $28K | — | $28K | 4.92% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 55 EAST JACKSON BLVD SUITE 1200 CHICAGO, IL 60604 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | — | $6K | $6K | 1.13% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST | 16253 COLLECTION CENTER D CHICAGO, IL 60693 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $17K | — | $17K | 5.02% |
| ACRISURE LLC3 | DBA THE CAMPBELL GROUP 5664 PRAIRE CREEK DR CALEDONIA, MI 49316 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | — | $6K | 1.76% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LIMI | 55 E. JACKSON BLVD FLOOR 14 CHICAGO, IL 60604 | GUARDIAN | $138 | — | $138 | 3.42% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL GULF SHORE L | 3510 N. CAUSEWAY BLVD SUITE 300 METAIRIE, LA 70002 | GUARDIAN | $74 | — | $74 | 1.83% |
| ACRISURE LLC3 | 220 SOUTH WALNUT STREET MUNCIE, IN 47305 | GUARDIAN | $36 | — | $36 | 0.89% |
| LUCIDO MORRIS ASSOCIATES, LLC3 Filed as: LUCIDO MORRIS ASSOCIATES LLC | 24255 W. 13 MILE ROAD SUITE 250 BINGHAM FARMS, MI 48025 | GUARDIAN | $3 | — | $3 | 0.07% |
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 | 935 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 940 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CARE NETWORK | 1,291 | $6.2M |
| Dental(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,080 | $565K |
| Vision | VISION SERVICE PLAN | 906 | $107K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,646 | $337K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,646 | $337K |
| Prescription drug | BLUE CARE NETWORK | 1,291 | $6.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,646 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.