| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSOCIATED AGENCIES, INC3 | 1701 GOLF RD, STE 3-700 ROLLING MEADOWS, IL 60008 | BLUECROSS BLUESHIELD OF ILLINOIS | $17K | $369 | $17K | 4.18% |
| ASSOCIATED AGENCIES, INC3 | 1701 GOLF RD, STE 3-700 ROLLING MEADOWS, IL 60008 | EQUITABLE | $5K | $2K | $7K | 16.92% |
| GIS OF ILLINOIS3 | 422 WAUPONSEE ST MORRIS, IL 60450 | EQUITABLE | $2K | $2K | $3K | 7.71% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS3 Filed as: BOON-CHAPMAN | PO BOX 9201, BLDG I, STE 100 AUSTIN, TX 78766 | EQUITABLE | $0 | $2K | $2K | 4.00% |
| ASSOCIATED AGENCIES, INC3 | 1701 GOLF RD, STE 3-700 ROLLING MEADOWS, IL 60008 | DEARBORN LIFE INSURANCE COMPANY | $2K | $0 | $2K | 11.78% |
| GIS OF ILLINOIS3 | 422 WAUPONSEE ST MORRIS, IL 60450 | DEARBORN LIFE INSURANCE COMPANY | $1K | $0 | $1K | 6.01% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS3 Filed as: BOON-CHAPMAN BENEFIT ADMINISTRATORS | PO BOX 9201, BLDG I, STE 100 AUSTIN, TX 78766 | DEARBORN LIFE INSURANCE COMPANY | $0 | $1K | $1K | 5.01% |
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 | 106 | 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) | 106 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ILLINOIS | 50 | $412K |
| Dental | EQUITABLE | 110 | $41K |
| Vision | DEARBORN LIFE INSURANCE COMPANY | 119 | $21K |
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 119 | $21K |
| Short-term disability | EQUITABLE | 110 | $41K |
| Long-term disability | DEARBORN LIFE INSURANCE COMPANY | 119 | $21K |
| Prescription drug | BLUECROSS BLUESHIELD OF ILLINOIS | 50 | $412K |
| Other | DEARBORN LIFE INSURANCE COMPANY | 119 | $21K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 119 | — |
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."
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.