| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INS. SERVICES, INC. | 263 SHUMAN BOULEVARD, SUITE 110 NAPERVILLE, IL 60563 | BLUECROSS BLUESHIELD OF ILLINOIS | $135K | $3K | $139K | 3.19% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | BLUECROSS BLUESHIELD OF ILLINOIS | $27K | $0 | $27K | 0.61% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INS. SERVICES, INC. | 1301 WEST 22ND STREET, SUITE 600 OAK BROOK, IL 60523 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $31K | $2K | $33K | 14.22% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE, 21ST FLOOR ITASCA, IL 60143 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $0 | $3K | 1.08% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $234 | $234 | 0.10% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INS. SERVICES, INC. | 1301 WEST 22ND STREET, SUITE 800 OAK BROOK, IL 60523 | VISION SERVICE PLAN | $3K | $0 | $3K | 10.08% |
| STRATEGIC NON-MEDICAL SOLUTIONS LLC3 Filed as: STRATEGIC NON-MEDICAL SOLUTIONS | 1 BEACON STREET, SUITE 17100 BOSTON, MA 02108 | VISION SERVICE PLAN | $1K | $0 | $1K | 3.67% |
| N-GAGE LLC3 | 1999 PINE CREST ROAD GREEN BAY, WI 54313 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 14.28% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INS. SERVICES, INC. | 1301 WEST 22ND STREET, SUITE 800 OAK BROOK, IL 60523 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | $894 | $4K | 12.41% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 12750 MERIT DRIVE, SUITE 1000 PARK CENTRAL 7 DALLAS, TX 75251 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $236 | — | $236 | 0.76% |
| H E INSURANCE INC3 | UNKNOWN CHICAGO, IL 60654 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $30 | — | $30 | 0.10% |
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 | 353 | 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) | 353 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ILLINOIS | 560 | $4.4M |
| Dental | BLUECROSS BLUESHIELD OF ILLINOIS | 560 | $4.4M |
| Vision | VISION SERVICE PLAN | 258 | $32K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 353 | $235K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 353 | $235K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 353 | $235K |
| Prescription drug | BLUECROSS BLUESHIELD OF ILLINOIS | 560 | $4.4M |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 353 | $266K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 560 | — |
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."
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.