| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | — | BLUECROSS BLUESHIELD OF ILLINOIS (HEALTH CARE SERVICE CORPORATION) | — | $15K | $15K | 0.09% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN | 80 S. 8TH STREET SUITE 700 MINNEAPOLIS, MN 55402 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $71K | — | $71K | 11.10% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN | 80 S. 8TH STREET SUITE 700 MINNEAPOLIS, MN 55402 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $69K | — | $69K | 12.04% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP, INC. | 80 SOUTH 8TH STREET SUITE 700 MINNEAPOLIS, MN 55402 | DEARBORN LIFE INSURANCE COMPANY | $13K | — | $13K | 10.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN | 80 S. 8TH STREET SUITE 700 MINNEAPOLIS, MN 55402 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $32K | — | $32K | 30.80% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN | 80 SOUTH 8TH STREET SUITE 700 MINNEAPOLIS, MN 55402 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $18K | — | $18K | 31.08% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN | 80 S. 8TH STREET SUITE 700 MINNEAPOLIS, MN 55402 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | — | $5K | 11.07% |
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 | 1,496 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,505 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF ILLINOIS (HEALTH CARE SERVICE CORPORATION) | 2,215 | $18.0M |
| Dental | DELTA DENTAL OF ILLINOIS | 1,308 | $834K |
| Vision | DEARBORN LIFE INSURANCE COMPANY | 1,164 | $128K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,496 | $574K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,488 | $639K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,488 | $639K |
| Prescription drug | BLUECROSS BLUESHIELD OF ILLINOIS (HEALTH CARE SERVICE CORPORATION) | 2,215 | $17.2M |
| Other(5 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,496 | $1.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,215 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.