| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE PLEXUS GROUPE LLC3 | — | BLUECROSS BLUESHIELD OF ILLINOIS | $243K | $9K | $252K | 2.32% |
| THE PLEXUS GROUPE LLC3 | 21805 FIELD PARKWAY #300 DEER PARK, IL 60010 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $37K | — | $37K | 3.97% |
| THE PLEXUS GROUPE LLC3 | 21805 FIELD PARKWAY #300 DEER PARK, IL 60010 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $17K | — | $17K | 12.90% |
| THE PLEXUS GROUPE LLC3 | 21805 FIELD PARKWAY #300 DEER PARK, IL 60010 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $250 | $250 | — |
| THE PLEXUS GROUPE LLC3 | 21805 FIELD PARKWAY #300 DEER PARK, IL 60010 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $2K | $2K | — |
| THE PLEXUS GROUPE LLC3 | 21805 FIELD PARKWAY #300 DEER PARK, IL 60010 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $2K | $2K | — |
| THE PLEXUS GROUPE LLC3 | 21805 FIELD PARKWAY #300 DEER PARK, IL 60010 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $905 | $905 | — |
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 | 794 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 795 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 878 | $924K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 1,765 | $131K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,035 | $0 |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 247 | $0 |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,035 | $0 |
| Stop-loss / reinsurancereinsurance | BLUECROSS BLUESHIELD OF ILLINOIS | 2,057 | $10.8M |
| Other(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,035 | $0 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,057 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.