| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 | 4811 EMERSON AVENUE, SUITE 205 PALATINE, IL 60067 | BLUECROSS BLUESHIELD OF ILLINOIS | $100K | $4K | $104K | 4.01% |
| ASSUREDPARTNERS3 | 4811 EMERSON AVENUE, SUITE 205 PALATINE, IL 60067 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $12K | $0 | $12K | 3.78% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INS. SVCS., INC. | UNKNOWN CHICAGO, IL 60607 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $0 | $430 | $430 | 0.13% |
| HE INSURANCE INC3 Filed as: HE INSURANCE, INC. | UNKNOWN CHICAGO, IL 60607 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $62 | $0 | $62 | 0.02% |
| ASSUREDPARTNERS3 | 1400 OPUS PLACE, SUITE 830 DOWNERS GROVE, IL 60515 | SUN LIFE ASSURANCE COMPANY OF CANADA | $6K | $0 | $6K | 9.91% |
| GROUP ALTERNATIVES INC3 Filed as: GROUP ALTERNATIVES, INC. | 1400 OPUS PLACE, SUITE 830 DOWNERS GROVE, IL 60515 | SUN LIFE ASSURANCE COMPANY OF CANADA | $2K | $0 | $2K | 4.02% |
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 | 197 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 199 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ILLINOIS | 414 | $2.6M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 207 | $326K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 207 | $326K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 232 | $61K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 207 | $326K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 207 | $326K |
| Prescription drug | BLUECROSS BLUESHIELD OF ILLINOIS | 414 | $2.6M |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 232 | $61K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 414 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.