| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LASALLE BENEFITS LLC3 | 40 SKOKIE BLVD SUITE 240 NORTHBROOK, IL 60062 | BLUECROSS BLUESHIELD OF ILLINOIS | $164K | $860 | $164K | 3.83% |
| LASALLE BENEFITS LLC3 | 876 KIMBALL ROAD HIGHLAND PARK, IL 60035 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $10K | — | $10K | 3.23% |
| LASALLE BENEFITS LLC3 | 200 N LA SALLE ST STE 2500 CHICAGO, IL 60601 | SUN LIFE ASSURANCE COMPANY OF CANADA | $16K | — | $16K | 8.44% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITALL OF TEXAS HWY #2-125 AUSTIN, TX 78746 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $538 | $538 | 0.29% |
| LASALLE BENEFITS LLC3 | 40 SKOKIE BLVD SUITE 240 NORTHBROOK, IL 60062 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $10K | — | $10K | 10.00% |
| LASALLE BENEFITS LLC3 | 200 N LA SALLE ST STE 2500 CHICAGO, IL 60601 | SUN LIFE ASSURANCE COMPANY OF CANADA | $6K | — | $6K | 8.83% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HWY #2-125 AUSTIN, TX 78746 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $643 | $643 | 1.03% |
| LASALLE BENEFITS LLC3 | STE 240 40 SKOKIE BLVD NORTHBROOK, IL 60062 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $401 | $2K | 12.00% |
| LASALLE BENEFITS LLC3 | STE 240 40 SKOKIE BLVD NORTHBROOK, IL 60062 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $981 | $104 | $1K | 20.83% |
| LASALLE BENEFITS LLC3 | STE 240 40 SKOKIE BLVD NORTHBROOK, IL 60062 | UNUM INSURANCE COMPANY | $148 | $20 | $168 | 11.37% |
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 | 232 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 238 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 4 carriers) | BLUECROSS BLUESHIELD OF ILLINOIS | 481 | $4.6M |
| Dental(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 236 | $407K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 236 | $308K |
| Life insurance(4 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 236 | $562K |
| Short-term disability(2 contracts) | SUN LIFE ASSURANCE COMPANY OF CANADA | 220 | $248K |
| Long-term disability(3 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 232 | $268K |
| Other(6 contracts, 5 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 236 | $662K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 481 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.