| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ARIZONA INC | PO BOX 730054 DALLAS, TX 75373 | BLUECROSS BLUESHIELD OF ILLINOIS | $91K | — | $91K | 3.37% |
| ACRISURE LLC3 Filed as: CHERNOFF DIAMOND & CO LLC | 725 RXR PLZ EAST TOWER UNIONDALE, NY 11556 | BLUECROSS BLUESHIELD OF ILLINOIS | $18K | — | $18K | 0.68% |
| E BROKER QUOTE LLC3 Filed as: E-BROKER QUOTE LLC | FLEXIBLE BENEFIT SERV. CORP. HQ 8700 W. BRYN AVENUE, STE 1010S CHICAGO, IL 60631 | BLUECROSS BLUESHIELD OF ILLINOIS | — | $7K | $7K | 0.27% |
| EMERSON REID LLC3 Filed as: EMERSON REID & COMPANY, INC. | 669 RIVER DR CENTER II STE 305 ELMWOOD PARK, NJ 07407 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | — | $7K | $7K | 3.95% |
| ACRISURE LLC3 Filed as: CHERNOFF DIAMOND & CO | 725 RXR PLAZA, EAST TOWER UNIONDALE, NY 11556 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $2K | — | $2K | 1.18% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ARIZONA INC | PO BOX 730054 DALLAS, TX 75373 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | $1K | $8K | 5.68% |
| EMERSON REID LLC3 Filed as: EMERSON REID & CO INC | 669 RIVER DRIVE CENTER II STE 305 ELMWOOD PARK, NJ 07407 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | $462 | $7K | 4.94% |
| ACRISURE LLC3 Filed as: CHERNOFF DIAMOND & CO LLC | 725 RXR PLZ EASTTOWER UNIONDALE, NY 11556 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | — | $4K | 2.54% |
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 | 367 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 30 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 397 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ILLINOIS | 534 | $2.7M |
| Dental(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 0 | $312K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 0 | $145K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 0 | $145K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 0 | $145K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 0 | $145K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 0 | $145K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 534 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.