| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PATRIOT GROWTH INSURANCE SERVICES3 | 303 WEST MADISON STREET STE 2000 CHICAGO, IL 60606 | BLUECROSS BLUESHIELD OF ILLINOIS | $82K | — | $82K | 3.99% |
| JAMES R TAYLOR AGENCY INC3 Filed as: JAMES R. TAYLOR AGENCY, INC. | 4949 N MILWAUKEE AVENUE SUITE 506 CHICAGO, IL 60630 | BLUECROSS BLUESHIELD OF ILLINOIS | — | $675 | $675 | 0.03% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH DBA LAUNCHWAYS | 303 WEST MADISON STREET STE 2000 CHICAGO, IL 60606 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 9.93% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH | 303 WEST MADISON STREET STE 2000 CHICAGO, IL 60606 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 16.20% |
| PATRIOT GROWTH INSURANCE SERVICES3 | 5401 W LAWRENCE AVENUE CHICAGO, IL 60630 | EYEMED VISION CARE | $1K | — | $1K | 10.04% |
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 | 145 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 150 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ILLINOIS | 250 | $2.0M |
| Dental | BLUECROSS BLUESHIELD OF ILLINOIS | 250 | $2.0M |
| Vision | EYEMED VISION CARE | 218 | $14K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 144 | $86K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 144 | $72K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 144 | $72K |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 144 | $86K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 250 | — |
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.
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.