| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RJ SCHAUER & ASSOCIATES LTD3 | 1401 BRANDING LANE DOWNERS GROVE, IL 60515 | BLUECROSS BLUESHIELD OF ILLINOIS | $37K | — | $37K | 4.03% |
| EMPLOYEE BENEFIT RISK MGT INC3 | PO OX 4717 OAK BROOK, IL 60522 | BLUECROSS BLUESHIELD OF ILLINOIS | $6K | — | $6K | 0.67% |
| PEDERSEN DOWIE CLABBY & MCCAUSLAND3 | PO BOX 2597 WATERLOO, IA 507042597 | UNITEDHEALTHCARE INSURANCE COMPANY | $9K | — | $9K | 4.62% |
| PEDERSEN DOWIE CLABBY & MCCAUSLAND3 | PO BOX 2597 WATERLOO, IA 507042597 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $1K | $1K | 0.63% |
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 | 269 | 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) | 269 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | BLUECROSS BLUESHIELD OF ILLINOIS | 142 | $1.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 142 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.