| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 55 EAST JACKSON BLVD CHICAGO, IL 60604 | AETNA INSURANCE | $52K | $6K | $58K | 3.43% |
| FOREST FINANCIAL GROUP INC3 | 580 N BANK LANE LAKE FOREST, IL 60045 | AETNA INSURANCE | $0 | $54 | $54 | 0.00% |
| FOREST FINANCIAL GROUP INC3 | 580 N BANK LANE STE 101 LAKE FOREST, IL 60045 | METROPOLITAN LIFE INSURANCE COMPANY | $26K | $0 | $26K | 77.68% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INS SERVICES LLC | 1 INTERNATIONAL PLZ PHILADELPHIA, PA 19113 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $51 | $3K | 9.64% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INS SERVICES LLC | PO BOX 61007 PHILADELPHIA, PA 23466 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $1K | $1K | 3.93% |
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 | 596 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 596 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA INSURANCE | 328 | $1.7M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 596 | $34K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 596 | $34K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 596 | $34K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 596 | $34K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 596 | $34K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 596 | $34K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 596 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.