| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 | 25 NW POINT BOULEVARD ELK GROVE, IL 60007 | BLUECROSS BLUESHIELD OF ILLINOIS | $78K | $6K | $84K | 3.81% |
| ASSUREDPARTNERS3 | 25 NW POINT BOULEVARD ELK GROVE, IL 60007 | DEARBORN LIFE INSURANCE COMPANY | $0 | $844 | $844 | 5.01% |
| ASSUREDPARTNERS3 | 4350 WEAVER PARKWAY WARRENVILLE, IL 60555 | METROPOLITAN LIFE INSURANCE COMPANY | $453 | $0 | $453 | 6.20% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: INSENTIAL, INC. | 216 SOUTH JEFFERSON STREET SUITE LL2 CHICAGO, IL 60661 | METROPOLITAN LIFE INSURANCE COMPANY | $324 | $0 | $324 | 4.44% |
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 | 128 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 133 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ILLINOIS | 319 | $2.2M |
| Dental | BLUECROSS BLUESHIELD OF ILLINOIS | 319 | $2.2M |
| Vision | DEARBORN LIFE INSURANCE COMPANY | 75 | $17K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 128 | $68K |
| Long-term disability(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 128 | $75K |
| Prescription drug | BLUECROSS BLUESHIELD OF ILLINOIS | 319 | $2.2M |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 128 | $68K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 319 | — |
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.