| 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 | $86K | $9K | $95K | 2.94% |
| DS&P INSURANCE SERVICES, INC.3 Filed as: DS&P INSURANCE SERVICES INC. | 1900 E. GOLF ROAD - SUITE 650 SCHAUMBURG, IL 60173 | GUARDIAN | $45K | — | $45K | 15.60% |
| DS&P INSURANCE SERVICES, INC.3 | 1900 E. GOLF ROAD - #650 SCHAUMBURG, IL 60173 | EYEMED VISION CARE | $5K | — | $5K | 16.19% |
| DS&P INSURANCE SERVICES, INC.3 | 1900 E. GOLF ROAD- STE 650 SCHAUMBURG, IL 60173 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | — | $1K | 86.63% |
| DS&P INSURANCE SERVICES, INC.3 | 1900 E GOLF ROAD - STE 650 SCHAUMBURG, IL 60173 | METROPOLITAN LIFE INSURANCE COMPANY | $660 | — | $660 | 88.95% |
| 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 | $615 | — | $615 | 98.87% |
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 | 323 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 330 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF ILLINOIS | 446 | $3.2M |
| Dental | BLUECROSS BLUESHIELD OF ILLINOIS | 446 | $3.2M |
| Vision | EYEMED VISION CARE | 390 | $29K |
| Life insurance | GUARDIAN | 323 | $286K |
| Short-term disability | GUARDIAN | 323 | $286K |
| Long-term disability | GUARDIAN | 323 | $286K |
| Prescription drug | BLUECROSS BLUESHIELD OF ILLINOIS | 446 | $3.2M |
| Other(2 contracts, 2 carriers) | GUARDIAN | 323 | $287K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 446 | — |
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.