| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KLASSMAN FINANCIAL SERVICES3 Filed as: KLASSMAN FINANCIAL SERVICES, LLC | UNKNOWN BUFFALO GROVE, IL 60089 | BLUECROSS BLUESHIELD OF ILLINOIS | $37K | $740 | $38K | 4.00% |
| RESOURCE BROKERAGE LLC3 Filed as: RESOURCE BROKERAGE | UNKNOWN BUFFALO GROVE, IL 60089 | BLUECROSS BLUESHIELD OF ILLINOIS | $8K | $0 | $8K | 0.85% |
| DEAN A. KLASSMAN3 | 3325 NORTH ARLINGTON HEIGHTS ROAD ARLINGTON HEIGHTS, IL 60004 | THE LINCOLN NATIONAL LIFE INSURANCE COMPNAY | $10K | $0 | $10K | 15.00% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS, INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | THE LINCOLN NATIONAL LIFE INSURANCE COMPNAY | $0 | $4K | $4K | 6.20% |
| KLASSMAN FINANCIAL SERVICES3 Filed as: KLASSMAN FINANCIAL SERVICES, LLC | 3325 NORTH ARLINGTON HEIGHTS ROAD SUITE 200A ARLINGTON HEIGHTS, IL 60004 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $0 | $5K | 8.87% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS, INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $1K | $4K | 6.21% |
| KLASSMAN FINANCIAL SERVICES3 Filed as: KLASSMAN FINANCIAL SERVICES, LLC | 3325 NORTH ARLINGTON HEIGHTS ROAD SUITE 200A ARLINGTON HEIGHTS, IL 60004 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $0 | $3K | 15.00% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS, INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $940 | $0 | $940 | 5.00% |
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 | 105 | 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) | 105 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ILLINOIS | 206 | $954K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 303 | $60K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 303 | $60K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPNAY | 110 | $64K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPNAY | 110 | $64K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPNAY | 110 | $64K |
| Prescription drug | BLUECROSS BLUESHIELD OF ILLINOIS | 206 | $954K |
| Other(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPNAY | 110 | $83K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 303 | — |
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.
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.