| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PALABE & ASSOCIATES LTD3 | 501 N RIVERSIDE DR STE 117 GURNEE, IL 60031 | BLUECROSS BLUESHIELD OF ILLINOIS | $70K | $1K | $71K | 3.63% |
| ARLENE PALABE3 | 501 N RIVERSIDE DR STE 117 GURNEE, IL 60031 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $29K | — | $29K | 3.13% |
| PALABE & ASSOCIATES LTD3 Filed as: PALABE ASSOCIATES LTD | 501 N RIVERSIDE DR STE 117 GURNEE, IL 60031 | METROPOLITAN LIFE INSURANCE COMPANY | $20K | — | $20K | 9.56% |
| PALABE & ASSOCIATES LTD3 | 501 N RIVERSIDE DR STE 117 GURNEE, IL 60031 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $21K | — | $21K | 16.96% |
| PALABE & ASSOCIATES LTD3 Filed as: PALABE & ASSOCIATES, LTD. | 501 N. RIVERSIDE DRIVE GURNEE, IL 60031 | EYEMED VISION CARE | $2K | — | $2K | 9.51% |
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 | 421 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 12 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 438 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF ILLINOIS | 331 | $2.9M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 763 | $206K |
| Vision | EYEMED VISION CARE | 449 | $24K |
| Life insurance | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 384 | $122K |
| Short-term disability | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 384 | $122K |
| Long-term disability | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 384 | $122K |
| Other | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 384 | $122K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 763 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.