| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DS&P INSURANCE SERVICES, INC.3 Filed as: DS&P INSURANCE SERVICES INC. | 1900 E GOLF ROAD, SUITE 650 SCHAUMBURG, IL 60173 | BLUECROSS BLUESHIELD OF ILLINOIS | $97K | $2K | $99K | 2.64% |
| DS&P INSURANCE SERVICES, INC.3 Filed as: DS&P INSURANCE SERVICES INC. | 1900 E. GOLF ROAD - SUITE 650 SCHAUMBURG, IL 60173 | METROPOLITAN LIFE INSURANCE COMPANY | $37K | — | $37K | 15.15% |
| DS&P INSURANCE SERVICES, INC.3 | 1900 E. GOLF ROAD - #650 SCHAUMBURG, IL 60173 | EYEMED VISION CARE | $5K | — | $5K | 13.73% |
| DS&P INSURANCE SERVICES, INC.3 | 1900 E. GOLF ROAD- STE 650 SCHAUMBURG, IL 60173 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | — | $6K | 20.08% |
| DS&P INSURANCE SERVICES, INC.3 | 1900 E GOLF ROAD - STE 650 SCHAUMBURG, IL 60173 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 19.58% |
| DS&P INSURANCE SERVICES, INC.3 Filed as: DS&P INSURANCE SERVICES INC. | 1900 E. GOLF ROAD, STE 650 SCHAUMBURG, IL 60173 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 21.71% |
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 | 359 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 362 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF ILLINOIS | 562 | $3.8M |
| Vision | EYEMED VISION CARE | 469 | $37K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 478 | $247K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 478 | $247K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 478 | $247K |
| Prescription drug | BLUECROSS BLUESHIELD OF ILLINOIS | 562 | $3.7M |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 478 | $247K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 562 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.