| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HOWARD LABOW3 Filed as: HOWARD BERNARD SCHUFF | 1866 SHERIDAN ROAD SUITE 302 HIGHLAND PARK, IL 600352546 | BLUECROSS BLUESHIELD OF ILLINOIS | $38K | — | $38K | 3.22% |
| RESOURCE BROKERAGE LLC3 Filed as: RESOURCE BROKERAGE | 1501 E WOODFIELD ROAD SUITE 110E SCHAUMBURG, IL 601734945 | BLUECROSS BLUESHIELD OF ILLINOIS | $34K | — | $34K | 2.89% |
| LANG FINANCIAL GROUP CHICAGO, LTD.3 Filed as: LANG FINANCIAL GROUP CHICAGO | 8707 SKOKIE BLVD SUITE 206 SKOKIE, IL 600772272 | BLUECROSS BLUESHIELD OF ILLINOIS | $6K | $810 | $7K | 0.59% |
| S P SERVICES INC3 Filed as: S P SERVICES | 719 ROGERS STREET DOWNERS GROVE, IL 60515 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $8K | — | $8K | 14.98% |
| RESOURCE BROKERAGE LLC3 | 1501 E WOODFIELD ROAD SUITE 110E SCHAUMBURG, IL 601734945 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | — | $2K | $2K | 3.99% |
| S P SERVICES INC3 | 414 PLAZA DR UNIT 301 WESTMONT, IL 60559 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 12.75% |
| S P SERVICES INC3 | 414 PLAZA DR UNIT 301 WESTMONT, IL 60559 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $732 | — | $732 | 13.57% |
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 | 141 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 142 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ILLINOIS | 171 | $1.2M |
| Dental | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 135 | $56K |
| Life insurance(3 contracts, 2 carriers) | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 135 | $87K |
| Long-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 130 | $32K |
| Other(3 contracts, 2 carriers) | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 135 | $87K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 171 | — |
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.
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.