| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 | UNKNOWN OAKBROOK TERRACE, IL 60181 | BLUE CROSS BLUE SHIELD OF ILLINOIS | $550K | $300K | $849K | 0.80% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL OF CA INS SERVICE | PO BOX 2158 RIVERSIDE, CA 92516 | KAISER FOUNDATION HEALTH PLAN, INC. | $414K | $0 | $414K | 3.60% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 55 EAST JACKSON BOULEVARD FLOOR 14 CHICAGO, IL 60604 | HARTFORD LIFE AND ACCIDENT | $55K | $475K | $530K | 4.72% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 832 NIAGARA AVENUE, SUITE 14B SHEBOYGAN, WI 53081 | HARTFORD LIFE AND ACCIDENT | $45K | $15K | $59K | 0.53% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | UNKNOWN OAKBROOK TERRACE, IL 60181 | BLUE CROSS BLUE SHIELD OF IL | $196K | $300K | $496K | 5.06% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | PO BOX 2158 55 E JACKSON BOULEVARD SUITE 14A RIVERSIDE, CA 92516 | RELIASTAR LIFE INSURANCE COMPANY | $185K | $0 | $185K | 20.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS SERVICES INC | 6701 CENTER DRIVE WEST SUITE 1500 LOS ANGELES, CA 90045 | RELIASTAR LIFE INSURANCE COMPANY | $25K | $0 | $25K | 2.72% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST | UNKNOWN OAKBROOK TERRACE, IL 60181 | COMBINED INSURANCE | $25K | $0 | $25K | 11.22% |
| IFC NATIONAL MARKETING3 | UNKNOWN OAKBROOK TERRACE, IL 60181 | COMBINED INSURANCE | $2K | $0 | $2K | 0.93% |
| BUDDY INSURANCE3 | UNKNOWN OAKBROOK TERRACE, IL 60181 | COMBINED INSURANCE | $1K | $0 | $1K | 0.55% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | PO BOX 6650 METAIRIE, LA 70009 | METLIFE LEGAL PLANS | $21K | $0 | $21K | 11.07% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 55 EAST JACKSON BOULEVARD FLOOR 14 CHICAGO, IL 60604 | METLIFE LEGAL PLANS | $0 | $3K | $3K | 1.50% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | PO BOX 2158 RIVERSIDE, CA 92516 | METLIFE LEGAL PLANS | $0 | $191 | $191 | 0.10% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 203 NORTH LASALLE STREET, FLOOR 20 CHICAGO, IL 60601 | NATIONAL UNION FIRE INS. CO. OF PITTSBURGH, PA | $343 | $0 | $343 | 14.98% |
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 | 13,200 | 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) | 13,200 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF ILLINOIS | 18,827 | $117.3M |
| Dental | BLUE CROSS BLUE SHIELD OF IL | 21,315 | $9.8M |
| Vision | VISION SERVICE PLAN | 8,665 | $1.5M |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 13,200 | $11.2M |
| Prescription drug(3 contracts, 3 carriers) | KAISER FOUNDATION HEALTH PLAN, INC. | 782 | $13.0M |
| Other(7 contracts, 7 carriers) | HARTFORD LIFE AND ACCIDENT | 13,200 | $13.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 21,315 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.