| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ENROLLEASE0 Filed as: STRATEGIC BENEFITS ADVISORS | 2625 BUTTERFIELD ROAD SUITE 109N OAK BROOK, IL 60523 | BLUECROSS BLUESHIELD OF ILLINOIS | $34K | — | $34K | 4.04% |
| E BROKER QUOTE LLC0 | 8700 W. BRYN MAWR AVENUE SUITE 1010S CHICAGO, IL 60631 | BLUECROSS BLUESHIELD OF ILLINOIS | $21K | — | $21K | 2.52% |
| ENROLLEASE3 Filed as: STRATEGIC BENEFITS ADVISORS INC | 2625 BUTTERFIELD ROAD SUITE 109N OAK BROOK, IL 60523 | GUARDIAN | $8K | — | $8K | 7.18% |
| EMPLOYER BENEFIT SYSTEMS INC3 | 222 INDIANAPOLIS BOULEVARD SUITE 203 SCHERERVILLE, IN 46375 | GUARDIAN | -$1K | — | -$1K | -0.90% |
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 | 130 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 135 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ILLINOIS | 220 | $844K |
| Dental | GUARDIAN | 183 | $113K |
| Vision | GUARDIAN | 183 | $113K |
| Life insurance | GUARDIAN | 183 | $113K |
| Other | GUARDIAN | 183 | $113K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 220 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.