| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | BLUECROSS BLUESHIELD OF ILLINOIS | $78K | $5K | $83K | 3.03% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PAGRIOT GROWTH INSURANCE SERVICES | 5401 WEST LAWRENCE CHICAGO, IL 60630 | BLUECROSS BLUESHIELD OF ILLINOIS | $30K | $1K | $31K | 1.13% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | DEARBORN LIFE INSURANCE COMPANY | $10K | $0 | $10K | 6.15% |
| JAMES R TAYLOR AGENCY INC3 Filed as: JAMES R. TAYLOR AGENCY INC | 303 WEST MADISON STREET SUITE 2000 CHICAGO, IL 60606 | DEARBORN LIFE INSURANCE COMPANY | $7K | $0 | $7K | 4.41% |
| ROGERS BENEFIT GROUP INC3 | 5110 NORTH 40TH STREET, SUITE 234 PHOENIX, AZ 85018 | DEARBORN LIFE INSURANCE COMPANY | $0 | $3K | $3K | 2.08% |
| RESOURCE BROKERAGE LLC3 | 1501 EAST WOODFIELD ROAD SUITE 110E SCHAUMBURG, IL 60173 | DEARBORN LIFE INSURANCE COMPANY | $0 | $3K | $3K | 1.59% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS, LLC | 669 RIVER DRIVE CENTER II SUITE 305 ELMWOOD, NJ 07407 | DEARBORN LIFE INSURANCE COMPANY | $0 | $2K | $2K | 1.35% |
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 | 255 | 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) | 255 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ILLINOIS | 443 | $2.7M |
| Dental | BLUECROSS BLUESHIELD OF ILLINOIS | 443 | $2.7M |
| Vision | DEARBORN LIFE INSURANCE COMPANY | 255 | $159K |
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 255 | $159K |
| Short-term disability | DEARBORN LIFE INSURANCE COMPANY | 255 | $159K |
| Long-term disability | DEARBORN LIFE INSURANCE COMPANY | 255 | $159K |
| Prescription drug | BLUECROSS BLUESHIELD OF ILLINOIS | 443 | $2.7M |
| Other | DEARBORN LIFE INSURANCE COMPANY | 255 | $159K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 443 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.