| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMPOWER BENEFITS GROUP3 Filed as: EMPOWER BENEFITS GROUP, INC. | 17 W635 BUTTERFIELD ROAD, SUITE 300 OAKBROOK TERRACE, IL 60181 | BLUECROSS BLUESHIELD OF ILLINOIS | $98K | $0 | $98K | 4.06% |
| RESOURCE BROKERAGE LLC3 Filed as: RESOURCE BROKERAGE, LLC | UNKNOWN CHICAGO, IL 60603 | BLUECROSS BLUESHIELD OF ILLINOIS | $2K | $2K | $3K | 0.14% |
| EMPOWER BENEFITS GROUP3 Filed as: EMPOWER BENEFITS GROUP, INC. | 17W635 BUTTERFIELD ROAD, SUITE 300 OAKBROOK TERRACE, IL 60181 | DELTA DENTAL OF ILLINOIS | $17K | $0 | $17K | 8.82% |
| SHELTON BENEFITS LLC3 Filed as: SHELTON ADVISORS, INC. | 939 WEST NORTH AVENUE, SUITE 750 CHICAGO, IL 60642 | DELTA DENTAL OF ILLINOIS | $0 | $9K | $9K | 4.41% |
| EMPOWER BENEFITS GROUP3 Filed as: EMPOWER BENEFITS GROUP, INC. | 17W635 BUTTERFIELD ROAD, SUITE 300 OAKBROOK TERRACE, IL 60181 | METROPOLITAN LIFE INSURANCE COMPANY | $17K | $3K | $19K | 16.53% |
| SHELTON BENEFITS LLC3 Filed as: SHELTON ADVISORS, INC. | 939 WEST NORTH AVENUE, SUITE 750 CHICAGO, IL 60642 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $0 | $6K | 4.78% |
| EMPOWER BENEFITS GROUP3 Filed as: EMPOWER BENEFITS GROUP, INC. | 17W635 BUTTERFIELD ROAD, SUITE 300 OAKBROOK TERRACE, IL 60181 | VISION SERVICE PLAN | $3K | $0 | $3K | 10.10% |
| SHELTON BENEFITS LLC3 Filed as: SHELTON ADVISORS, INC. | 939 WEST NORTH AVENUE, SUITE 750 CHICAGO, IL 60642 | VISION SERVICE PLAN | $1K | $0 | $1K | 5.05% |
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 | 623 | 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) | 623 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ILLINOIS | 623 | $2.4M |
| Dental | DELTA DENTAL OF ILLINOIS | 349 | $198K |
| Vision | VISION SERVICE PLAN | 304 | $28K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 290 | $116K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 290 | $116K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 290 | $116K |
| Prescription drug | BLUECROSS BLUESHIELD OF ILLINOIS | 623 | $2.4M |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 290 | $116K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 623 | — |
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.