| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BSC AGENCY LLC3 | 1025 ASHWORTH RD SUITE 101 WEST DES MOINES, IA 50265 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $43K | $43K | 11.14% |
| THE PLEXUS GROUPE LLC3 | 21805 FIELD PARKWAY SUITE 300 DEER PARK, IL 60010 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $7K | $7K | 1.86% |
| BSC AGENCY LLC3 | 1025 ASHWORTH RD SUITE 101 WEST DES MOINES, IA 50265 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $30K | $30K | 11.18% |
| THE PLEXUS GROUPE LLC3 | 21805 FIELD PARKWAY SUITE 300 DEER PARK, IL 60010 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $5K | $5K | 1.82% |
| BSC AGENCY LLC3 | 1025 ASHWORTH RD SUITE 101 WEST DES MOINES, IA 50265 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $12K | $12K | 11.04% |
| THE PLEXUS GROUPE LLC3 | 21805 FIELD PARKWAY SUITE 300 DEER PARK, IL 60010 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $2K | $2K | 1.96% |
| BSC AGENCY LLC3 | 1025 ASHWORTH RD SUITE 101 WEST DES MOINES, IA 50265 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $4K | $4K | 11.06% |
| THE PLEXUS GROUPE LLC3 | 21805 FIELD PARKWAY SUITE 300 DEER PARK, IL 60010 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $780 | $780 | 1.94% |
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 | 3,234 | 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) | 3,234 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ILLINOIS | 1,640 | $5.4M |
| Dental | DELTA DENTAL | 1,295 | $534K |
| Vision | VISION SERVICE PLAN | 1,252 | $152K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 3,234 | $374K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 886 | $388K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 86 | $40K |
| Other | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 3,234 | $108K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,234 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.