| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| J J DOORHY BENEFITS GROUP3 | — | BLUECROSS BLUESHEILD OF ILLINOIS | $40K | $4K | $43K | 3.58% |
| GARY J ALTOBELLI3 | 101 BURR RIDGE PARKWAY SUITE 206 BURR RIDGE, IL 60527 | DEARBORN LIFE INSURANCE COMPANY | $2K | — | $2K | 10.04% |
| FORESTER BENEFITS MANAGEMENT LLC3 | 1909 PINNACLE POINTE WAY KNOXVILLE, TN 37922 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 20.00% |
| J J DOORHY BENEFITS GROUP3 Filed as: J.J. DOORHY BENEFITS GROUP | 101 BURR RIDGE PARKWAY SUITE 206 BURR RIDGE, IL 60527 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| MESIROW INSURANCE SERVICES INC3 | 353 NORTH CLARK STREET CHICAGO, IL 60654 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $216 | $216 | 1.53% |
| J J DORRHY BENEFITS GROUP3 | 101 BURR RIDGE PARKWAY SUITE 206 BURR RIDGE, IL 60527 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $979 | — | $979 | 15.01% |
| FORESTER BENEFITS MANAGEMENT LLC3 Filed as: FORESTER BENEFITS MANAGERMENT LLC | 1909 PINNACLE POINTE WAY KNOXVILLE, TN 37922 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $653 | — | $653 | 10.01% |
| MESIROW INSURANCE SERVICES INC3 | 353 NORTH CLARK STREET CHICAGO, IL 60654 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $149 | $149 | 2.28% |
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 | 114 | 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) | 114 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHEILD OF ILLINOIS | 114 | $1.2M |
| Dental | BLUECROSS BLUESHEILD OF ILLINOIS | 114 | $1.2M |
| Vision | DEARBORN LIFE INSURANCE COMPANY | 115 | $15K |
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 115 | $15K |
| Other(3 contracts, 2 carriers) | DEARBORN LIFE INSURANCE COMPANY | 115 | $36K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 115 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.