| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| S P SERVICES INC3 Filed as: S P SERVICES | 414 PLAZA DR STE 302 WESTMONT, IL 60559 | BLUECROSS BLUESHIELD OF ILLINOIS | $111K | — | $111K | 3.91% |
| RESOURCE BROKERAGE LLC3 | 1501 WOODFIELD RD STE 110E SCHAUMBURG, IL 601734945 | BLUECROSS BLUESHIELD OF ILLINOIS | $13K | — | $13K | 0.47% |
| S P SERVICES INC3 Filed as: S P SERVICES | 414 PLAZA DR STE 302 WESTMONT, IL 60559 | DEARBORN LIFE INSURANCE COMPANY | $10K | — | $10K | 14.98% |
| RESOURCE BROKERAGE LLC3 | 1501 E WOODFIELD ROAD STE 110E SCHAUMBURG, IL 601734945 | DEARBORN LIFE INSURANCE COMPANY | — | $3K | $3K | 3.99% |
| S P SERVICES INC3 | 414 PLAZA DR UNIT 301 WESTMONT, IL 60559 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 12.41% |
| S P SERVICES INC3 | 414 PLAZA DR UNIT 301 WESTMONT, IL 60559 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $627 | — | $627 | 13.58% |
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 | 163 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 165 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ILLINOIS | 358 | $2.8M |
| Dental | BLUECROSS BLUESHIELD OF ILLINOIS | 358 | $2.8M |
| Life insurance(3 contracts, 2 carriers) | DEARBORN LIFE INSURANCE COMPANY | 153 | $104K |
| Long-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 148 | $36K |
| Other(3 contracts, 2 carriers) | DEARBORN LIFE INSURANCE COMPANY | 153 | $104K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 358 | — |
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.