| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LAMB LITTLE & CO3 Filed as: LAMB LITTLE & CO. | 1101 PERIMETER DRIVE SUITE 500 SCHAUMBURG, IL 601735060 | BLUE CROSS BLUE SHIELD OF ILLINOIS | $24K | $0 | $24K | 4.13% |
| LAMB LITTLE & CO3 Filed as: LAMB LITTLE & CO. | 1101 PERIMETER DRIVE SUITE 500 SCHAUMBURG, IL 601735060 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $0 | $3K | 13.00% |
| FORESTER BENEFITS MANAGEMENT LLC3 | 1909 PINNACLE POINT WAY KNOXVILLE, TN 37922 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $348 | $0 | $348 | 1.33% |
| LAMB LITTLE & CO3 Filed as: LAMB LITTLE & CO. | 1101 PERIMETER DRIVE SUITE 500 SCHAUMBURG, IL 601735060 | DELTA DENTAL OF ILLINOIS | $2K | $0 | $2K | 7.37% |
| LAMB LITTLE & CO3 Filed as: LAMB LITTLE & CO. | 1101 PERIMETER DRIVE SUITE 500 SCHAUMBURG, IL 60173 | DEARBORN LIFE INSURANCE COMPANY | $1K | $0 | $1K | 12.46% |
| LAMB LITTLE & CO3 Filed as: LAMB LITTLE & CO. | 1101 PERIMETER DRIVE SUITE 500 SCHAUMBURG, IL 601735060 | VISION SERVICE PLAN | $523 | $0 | $523 | 9.58% |
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 | 102 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 102 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF ILLINOIS | 82 | $578K |
| Dental | DELTA DENTAL OF ILLINOIS | 53 | $25K |
| Vision | VISION SERVICE PLAN | 65 | $5K |
| Life insurance(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 102 | $37K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 95 | $26K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 95 | $26K |
| Other(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 102 | $37K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 102 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.