| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 | 25 NW POINT BOULEVARD, SUITE 625 ELK GROVE VILLAGE, IL 60007 | BLUECROSS BLUESHIELD OF ILLINOIS | $66K | $3K | $70K | 4.08% |
| WI-TRONIX3 | 631 EAST BOUGHTON ROAD, SUITE 240 BOLINGBROOK, IL 60440 | BLUECROSS BLUESHIELD OF ILLINOIS | $0 | $4 | $4 | 0.00% |
| ASSUREDPARTNERS3 | 4350 WEAVER PARKWAY WARRENVILLE, IL 60555 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $22K | $2K | $24K | 113.55% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: INSENTIAL, INC. | 216 SOUTH JEFFERSON STREET UNIT LL2 CHICAGO, IL 60661 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $9K | $0 | $9K | 41.96% |
| ASSUREDPARTNERS3 | 4350 WEAVER PARKWAY WARRENVILLE, IL 60555 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $3K | $0 | $3K | 16.43% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS AND INSURANCE SVCS. | PO BOX 632886 CINCINNATI, OH 45263 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $580 | $0 | $580 | 3.46% |
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 | 143 | 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) | 143 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ILLINOIS | 307 | $1.7M |
| Dental | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 143 | $21K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 253 | $17K |
| Life insurance | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 143 | $21K |
| Short-term disability | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 143 | $21K |
| Long-term disability | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 143 | $21K |
| Prescription drug | BLUECROSS BLUESHIELD OF ILLINOIS | 307 | $1.7M |
| Other | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 143 | $21K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 307 | — |
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."
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.