| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SOL INSURANCE ASSOCIATES, LLC3 | 1 E WACKER DR., STE 3400 CHICAGO, IL 60601 | BLUE CROSS BLUE SHIELD | $156K | $30K | $186K | 4.16% |
| SOL INSURANCE ASSOCIATES, LLC3 | 1 E WACKER DR., STE 3400 CHICAGO, IL 60601 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $13K | $3K | $17K | 19.72% |
| STEPHEN R. TODD3 Filed as: STEPHEN TODD | 185 HERITAGE DR. UNIT 3 CRYSTAL LAKE, IL 60014 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $16 | $0 | $16 | 0.02% |
| THE ROCKWOOD COMPANY3 | 20 N WACKER DR., STE 600 CHICAGO, IL 60606 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1 | $0 | $1 | 0.00% |
| SOL INSURANCE ASSOCIATES, LLC3 Filed as: SOL ASSOCIATES, LLC | 1 E WACKER DR., STE 3400 CHICAGO, IL 60601 | STANDARD INSURANCE COMPANY | $4K | $0 | $4K | 10.83% |
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 | 507 | 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) | 507 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD | 672 | $4.5M |
| Dental(2 contracts, 2 carriers) | STANDARD INSURANCE CO. | 367 | $339K |
| Life insurance | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 53 | $85K |
| Short-term disability | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 53 | $85K |
| Long-term disability | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 53 | $85K |
| Other | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 53 | $85K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 672 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.