| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 1721 MAGNAVOX WAY FORT WAYNE, IN 46804 | BLUECROSS BLUESHIELD OF ILLINOIS | $56K | $0 | $56K | 2.25% |
| LANG FINANCIAL GROUP CHICAGO, LTD.3 Filed as: LANG FINANCIAL GROUP CHICAGO, LTD | 790 WEST FRONTAGE ROAD, SUITE 750 NORTHFIELD, IL 60093 | BLUECROSS BLUESHIELD OF ILLINOIS | $42K | $2K | $44K | 1.77% |
| USI INSURANCE SERVICES LLC3 | 222 SOUTH RIVERSIDE PLAZA SUITE 63 CHICAGO, IL 60606 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $18K | $6K | $24K | 14.80% |
| LANG FINANCIAL GROUP CHICAGO, LTD.3 Filed as: LANG FINANCIAL GROUP CHICAGO, LTD | 8707 SKOKIE BOULEVARD, SUITE 206 SKOKIE, IL 60077 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $13K | $1K | $14K | 8.70% |
| EBENEFIT MARKETPLACE, LLC3 | 23 MAIDEN LANE NORTH HAVEN, CT 06473 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | $0 | $6K | 3.70% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS | 422 WAUPONSEE STREET MORRIS, IL 60450 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $0 | $3K | 1.89% |
| USI INSURANCE SERVICES LLC3 | 222 SOUTH RIVERSIDE PLAZA SUITE 63 CHICAGO, IL 60606 | STARMOUNT LIFE INSURANCE COMPANY | $1K | $433 | $1K | 12.04% |
| LANG FINANCIAL GROUP CHICAGO, LTD.3 Filed as: LANG FINANCIAL GROUP CHICAGO, LTD | 8707 SKOKIE BOULEVARD, SUITE 206 SKOKIE, IL 60077 | STARMOUNT LIFE INSURANCE COMPANY | $697 | $81 | $778 | 6.36% |
| EBENEFIT MARKETPLACE, LLC3 | 23 MAIDEN LANE NORTH HAVEN, CT 06473 | STARMOUNT LIFE INSURANCE COMPANY | $373 | $0 | $373 | 3.05% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS | 422 WAUPONSEE STREET MORRIS, IL 60450 | STARMOUNT LIFE INSURANCE COMPANY | $241 | $0 | $241 | 1.97% |
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 | 279 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 10 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 289 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ILLINOIS | 393 | $2.5M |
| Dental | BLUECROSS BLUESHIELD OF ILLINOIS | 393 | $2.5M |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 180 | $12K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 261 | $164K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 261 | $164K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 261 | $164K |
| Prescription drug | BLUECROSS BLUESHIELD OF ILLINOIS | 393 | $2.5M |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 261 | $164K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 393 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.