| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, LLC | — | BLUECROSS BLUESHIELD OF ILLINOIS | $51K | $3K | $54K | 4.20% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | GUARDIAN | $16K | $8K | $25K | 13.60% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS RESEARCH, LLC | 325 N. KIRKWOOD ROAD SUITE 300 KIRKWOOD, MO 63122 | GUARDIAN | $9K | — | $9K | 5.00% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC. | 200 GALLERIA PARKWAY SE STE 1950 ATLANTA, GA 30339 | VISION SERVICE PLAN | $832 | — | $832 | 6.79% |
| EMPLOYEE NAVIGATOR, LLC3 | 7979 OLD GEORGETOWN RD. STE 300 BETHESDA, MD 20814 | VISION SERVICE PLAN | $45 | — | $45 | 0.37% |
| LAKEVIEW INSURANCE SOLUTIONS LLC3 | 3438 N. SOUTHPORT AVE. CHICAGO, IL 60657 | VISION SERVICE PLAN | -$142 | — | -$142 | -1.16% |
| HOWARD LABOW3 Filed as: HOWARD SCHUFF | 1866 SHERIDAN RD. STE 302 HIGHLAND PARK, IL 60035 | VISION SERVICE PLAN | -$162 | — | -$162 | -1.32% |
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 | 130 | 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) | 130 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ILLINOIS | 188 | $1.3M |
| Dental | GUARDIAN | 134 | $182K |
| Vision | VISION SERVICE PLAN | 88 | $12K |
| Life insurance | GUARDIAN | 134 | $182K |
| Short-term disability | GUARDIAN | 134 | $182K |
| Long-term disability | GUARDIAN | 134 | $182K |
| Other | GUARDIAN | 134 | $182K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 188 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.