| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 55 E JACKSON BLVD CHICAGO, IL 606044466 | BLUECROSS BLUESHIELD OF ILLINOIS | $55K | $3K | $58K | 3.08% |
| FST ASSOCIATES INC3 | 55 W MONROE STE 500 CHICAGO, IL 606035151 | BLUECROSS BLUESHIELD OF ILLINOIS | $11K | — | $11K | 0.57% |
| FST ASSOCIATES INC3 | 55 W MONROE ST STE 500 CHICAGO, IL 606035151 | SUN LIFE ASSURANCE COMPANY OF CANADA | $16K | $9K | $25K | 7.81% |
| FST ASSOCIATION INC3 | 55 WEST MONROE STE 500 CHICAGO, IL 606035151 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $3K | $7K | 4.44% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 55 E JACKSON BLVD CHICAGO, IL 60604 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 1.25% |
| FST ASSOCIATES INC3 | 55 W MONROE ST STE 500 CHICAGO, IL 606035151 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $4K | $4K | 3.84% |
| FST ASSOCIATES INC3 | 55 W MONROE ST STE 500 CHICAGO, IL 606035151 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $1K | $1K | 3.25% |
| FST ASSOCIATES INC3 | 55 W MONROE ST STE 500 CHICAGO, IL 606035151 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $1K | $1K | 3.79% |
| FST ASSOCIATES INC3 | 55 W MONROE ST STE 500 CHICAGO, IL 606035151 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $888 | $888 | 3.69% |
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 | 387 | 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) | 387 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ILLINOIS | 527 | $1.9M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 807 | $168K |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 489 | $23K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 387 | $24K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 387 | $29K |
| Prescription drug | RX BENEFITS | 291 | $684K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 292 | $326K |
| Other(4 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 387 | $154K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 807 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.