| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 | UNKNOWN MENDOTA, IL 61342 | BLUE CROSS BLUE SHIELD OF ILLINOIS | $42K | $0 | $42K | 1.56% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BPA TROXELL BENEFITS | UNKNOWN MENDOTA, IL 61342 | BLUE CROSS BLUE SHIELD OF ILLINOIS | $29K | $2K | $31K | 1.16% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 55 EAST JACKSON BOULEVARD CHICAGO, IL 60604 | DEARBORN LIFE INSURANCE COMPANY | $11K | $0 | $11K | 7.31% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BPA TROXELL BENEFITS LLC | 712 IAA DRIVE BLOOMINGTON, IL 61701 | DEARBORN LIFE INSURANCE COMPANY | $10K | $0 | $10K | 6.28% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 9200 WARD PARKWAY, SUITE 500 KANSAS CITY, MO 64114 | VISION SERVICE PROVIDER | $1K | $0 | $1K | 5.44% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BPA TROXELL BENEFITS LLC | 712 IAA DRIVE BLOOMINGTON, IL 61701 | VISION SERVICE PROVIDER | $242 | $0 | $242 | 1.21% |
| EMPLOYEE NAVIGATOR, LLC3 | 7979 OLD GEORGETOWN ROAD, SUITE 300 BETHESDA, MD 20814 | VISION SERVICE PROVIDER | $83 | $0 | $83 | 0.42% |
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 | 159 | 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) | 159 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | BLUE CROSS BLUE SHIELD OF ILLINOIS | 377 | $2.7M |
| Vision | VISION SERVICE PROVIDER | 143 | $20K |
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 196 | $156K |
| Short-term disability | DEARBORN LIFE INSURANCE COMPANY | 196 | $156K |
| Long-term disability | DEARBORN LIFE INSURANCE COMPANY | 196 | $156K |
| Other | DEARBORN LIFE INSURANCE COMPANY | 196 | $156K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 377 | — |
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.