| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 | 55 E JACKSON BLVD 14TH FL CHICAGO, IL 60604 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $46K | $46K | 5.08% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 15162 COLLECTIONS CTR DR CHICAGO, IL 606930000 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $358 | $358 | 0.04% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 2120 PEWAUKEE RD SUITE 202 WAUKESHA, WI 53188 | COMMUNITY INSURANCE COMPANY | $2K | — | $2K | 3.30% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS SRVCS INC | PO BOX 4047 SANTA BARBARA, CA 93130 | COMMUNITY INSURANCE COMPANY | — | $1K | $1K | 1.92% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 55 E JACKSON 12TH FL CHICAGO, IL 606049300 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | $1K | $9K | 23.90% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD RD STE 300 KIRKWOOD, MO 606049300 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $3K | $3K | 7.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUBI NTERNATIONAL MIDWEST LTD | 55 E JACKSON 12TH FL CHICAGO, IL 606049300 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | $1K | $7K | 24.43% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD RD STE 300 KIRKWOOD, MO 63122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $2K | $2K | 7.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 55 E JACKSON 12TH FL CHICAGO, IL 606049300 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $1K | $6K | 25.30% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD RD STE 300 KIRKWOOD, MO 606049300 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $2K | $2K | 7.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 55 E JACKSON 12TH FL CHICAGO, IL 606049300 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $805 | $5K | 24.02% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD RD STE 300 CHICAGO, IL 606049300 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $1K | $1K | 7.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 15162 COLLECTION CENTER DR CHICAGO, IL 606930001 | VISION SERVICE PLAN | $1K | — | $1K | 10.01% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 2800 S RIVER RD STE 130 DES PLAINES, IL 600186087 | VISION SERVICE PLAN | $238 | — | $238 | 2.00% |
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 | 132 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 133 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 107 | $914K |
| Dental | COMMUNITY INSURANCE COMPANY | 198 | $66K |
| Vision | VISION SERVICE PLAN | 97 | $12K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 133 | $36K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 133 | $27K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 133 | $20K |
| Other(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 133 | $58K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 198 | — |
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.