| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DAVID DANZIG & ASSOCIATES3 | 570 LAKE COOK ROAD SUITE 210 DEERFIELD, IL 60015 | BLUECROSS BLUESHIELD OF ILLINOIS | $27K | — | $27K | 4.81% |
| INSURANCE SOLUTION SERVICES3 | 619 AMBOY AVE EDISON, NJ 08837 | BLUECROSS BLUESHIELD OF ILLINOIS | — | $480 | $480 | 0.09% |
| D D & A INC DBA DAVID DANZIG & ASSO3 Filed as: DD&D INC/DAVID DANZIG & ASSOC | 570 LAKE COOK RD STE 210 DEERFIELD, IL 60015 | DELTA DENTAL OF ILLINOIS | $2K | — | $2K | 7.40% |
| DAVID DANZIG & ASSOCIATES3 | 570 LAKE COOK ROAD SUITE 210 DEERFIELD, IL 60015 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 10.73% |
| DAVID DANZIG & ASSOCIATES3 | 570 LAKE COOK ROAD SUITE 210 DEERFIELD, IL 60015 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| DAVID DANZIG & ASSOCIATES3 | 570 LAKE COOK ROAD SUITE 210 DEERFIELD, IL 60015 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 11.00% |
| DAVID DANZIG & ASSOCIATES3 | 570 LAKE COOK RD STE 210 DEERFIELD, IL 60015 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $207 | — | $207 | 14.97% |
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 | 108 | 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) | 108 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ILLINOIS | 66 | $562K |
| Dental | DELTA DENTAL OF ILLINOIS | 56 | $28K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 109 | $10K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 109 | $23K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 109 | $13K |
| Other | RELIANCE STANDARD LIFE INSURANCE COMPANY | 109 | $1K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 109 | — |
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.
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.