| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MYERS GLAROS GROUP3 | 8605 BROADWAY MERRILLVILLE, IN 46410 | BLUE CROSS BLUE SHIELD OF ILLINOIS | $41K | $9K | $50K | 0.26% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 55 E JACKSON BLVD FL 14 CHICAGO, IL 60604 | BLUE CROSS BLUE SHIELD OF ILLINOIS | $21K | — | $21K | 0.11% |
| CASSADY NEESER & BRASSEUR3 | 340 COLUMBIA PL SOUTH BEND, IN 46624 | UNUM LIFE INSURANCE COMPANY OF AMERICA (LTD) | $9K | $3K | $11K | 3.02% |
| CASSADY NEESER & BRASSEUR3 | 340 COLUMBIA PL SOUTH BEND, IN 46624 | UNUM LIFE INSURANCE COMPANY OF AMERICA (SHORT TERM) | $5K | $2K | $6K | 2.69% |
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 | 1,661 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,661 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF ILLINOIS | 1,930 | $19.2M |
| Dental | DELTA DENTAL OF INDIANA | 2,116 | $822K |
| Vision | EYEMED VISION CARE | 1,769 | $146K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA (LIFE) | 1,420 | $227K |
| Short-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA (SHORT TERM) | 546 | $261K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA (LTD) | 1,564 | $378K |
| Stop-loss / reinsurancereinsurance | BLUE CROSS BLUE SHIELD OF ILLINOIS | 1,930 | $19.2M |
| Other | UNUM INSURANCE COMPANY (CRITICAL ILLNESS) | 226 | $40K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,116 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
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.