| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | UNKNOWN CHICAGO, IL 60644 | BLUECROSS BLUESHIELD OF ILLINOIS | $34K | $0 | $34K | 2.06% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | BLUECROSS BLUESHIELD OF ILLINOIS | $20K | $0 | $20K | 1.25% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS, INC. | 422 WAUPONSEE STREET MORRIS, IL 60450 | BLUECROSS BLUESHIELD OF ILLINOIS | $2K | — | $2K | 0.11% |
| CS INSURANCE STRATEGIES3 Filed as: CS INSURANCE STRATEGIES, INC | 150 NORTH MICHIGAN AVENUE SUITE 2400 CHICAGO, IL 60601 | DEARBORN LIFE INSURANCE COMPANY | $11K | $0 | $11K | 10.59% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | DEARBORN LIFE INSURANCE COMPANY | $4K | $0 | $4K | 3.96% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS, INC. | 107 CANDLELIGHT LANE MORRIS, IL 60450 | DEARBORN LIFE INSURANCE COMPANY | $508 | $0 | $508 | 0.49% |
| CONSOLIDATED BENEFITS INC3 Filed as: CONSOLIDATED BENEFITS, INC. | 2500 ELMERTON AVENUE HARRISBURG, PA 17177 | DEARBORN LIFE INSURANCE COMPANY | -$508 | $508 | $0 | 0.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 333 EAST OSBORN ROAD, SUITE 270 PHOENIX, AZ 85012 | SOLSTICE OF ILLINOIS, INC. | $734 | $0 | $734 | 10.00% |
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 | 164 | 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) | 164 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ILLINOIS | 162 | $1.6M |
| Dental(2 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF ILLINOIS | 162 | $1.6M |
| Vision | DEARBORN LIFE INSURANCE COMPANY | 174 | $103K |
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 174 | $103K |
| Short-term disability | DEARBORN LIFE INSURANCE COMPANY | 174 | $103K |
| Long-term disability | DEARBORN LIFE INSURANCE COMPANY | 174 | $103K |
| Prescription drug | BLUECROSS BLUESHIELD OF ILLINOIS | 162 | $1.6M |
| Other | DEARBORN LIFE INSURANCE COMPANY | 174 | $103K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 174 | — |
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."
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.