| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON CONSULTING INC NJ | — | BLUECROSS BLUESHIELD OF ILLINOIS | $52K | $0 | $52K | 2.02% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN LLC | — | BLUECROSS BLUESHIELD OF ILLINOIS | $36K | $0 | $36K | 1.40% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC IL | — | BLUECROSS BLUESHIELD OF ILLINOIS | $0 | $3K | $3K | 0.12% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC IL | 200 E RANDOLPH STREET CHICAGO, IL 60601 | DEARBORN LIFE INSURANCE COMPANY | $15K | $0 | $15K | 8.17% |
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | DEARBORN LIFE INSURANCE COMPANY | $8K | $0 | $8K | 4.33% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: INSENTIAL INC DBA SOURCE 1 BENEFITS | 216 S JEFFERSON ST, UNIT LL2 CHICAGO, IL 60661 | DEARBORN LIFE INSURANCE COMPANY | $0 | $6K | $6K | 3.21% |
| MARK S METTILLE3 | GIS BENEFITS INC 107 CANDLELIGHT LANE MORRIS, IL 60450 | DEARBORN LIFE INSURANCE COMPANY | $0 | $321 | $321 | 0.17% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: ASSURANCE, MARSH & MCLENNAN AGENCY | 20 N. MARTINGALE RD., STE. 100 SCHAUMBURG, IL 60173 | EYEMED | $466 | $0 | $466 | 2.44% |
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 | 307 | 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) | 307 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ILLINOIS | 385 | $2.6M |
| Dental | BLUECROSS BLUESHIELD OF ILLINOIS | 385 | $2.6M |
| Vision(2 contracts, 2 carriers) | DEARBORN LIFE INSURANCE COMPANY | 371 | $204K |
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 308 | $185K |
| Short-term disability | DEARBORN LIFE INSURANCE COMPANY | 308 | $185K |
| Long-term disability | DEARBORN LIFE INSURANCE COMPANY | 308 | $185K |
| Other | DEARBORN LIFE INSURANCE COMPANY | 308 | $185K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 385 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.