| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC4 Filed as: NFP CORPORATE SERVICES IL INC | 500 WEST MADISON STREET SUITE 2760 CHICAGO, IL 60661 | BLUECROSS BLUESHIELD OF ILLINOIS | $90K | $38K | $128K | 0.57% |
| NFP INSURANCE SERVICES INC4 Filed as: NFP CORPORATE SERVICES IL INC | 500 WEST MADISON STREET SUITE 2760 CHICAGO, IL 60661 | VISION SERVICE PLAN | $12K | — | $12K | 4.99% |
| IMG5 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE CO OF AMERICA | — | $480 | $480 | 0.22% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES | SUITE 2760 500 W MADISON STREET CHICAGO, IL 60661 | PRUDENTIAL INSURANCE CO OF AMERICA | — | $0 | $0 | 0.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES IL INC | 500 WEST MADISON STREET SUITE 2760 CHICAGO, IL 60661 | DELTA DENTAL OF ILLINOIS | $0 | — | $0 | 0.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUECROSS BLUESHIELD OF ILLINOIS EIN 36-1236610 CLAIMS PROCESSOR | Contract Administrator; Claims processing Service code 12 | — | $1.5M |
| PRUDENTIAL EIN 22-1211670 THIRD PARTY ADMIN | Plan Administrator Service code 14 | — | $137K |
| DELTA DENTAL OF ILLINOIS EIN 36-2612058 CLAIMS PROCESSOR | Claims processing; Contract Administrator Service code 12 | — | $73K |
| CHARLES NECHTUM EIN 13-3242036 NONE | Contract Administrator Service code 13 | — | $59K |
| UMR EIN 39-1995276 CLAIMS PROCESSOR | Claims processing Service code 12 | — | $46K |
| DELTA DENTAL MINNESOTA EIN 41-1905554 NONE | Claims processing; Contract Administrator Service code 12 | — | $22K |
| ALABAMA HEART & VASCULAR THIRD PARTY ADMIN | Plan Administrator Service code 14 | 100 RICE MINE ROAD LOOP SUITE 104 TUSCALOOSA, AL 354082425 | $0 |
| COMPSYCH EIN 35-3739783 THIRD PARTY ADMIN | Plan Administrator Service code 14 | — | $0 |
| CVS CAREMARK EIN 05-0340626 THIRD PARTY ADMIN | Contract Administrator; Claims processing Service code 12 | — | -$7K |
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 | 4,705 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 26 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 45 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 4,776 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ILLINOIS | 4,705 | $22.7M |
| Dental | DELTA DENTAL OF ILLINOIS | 1,666 | $73K |
| Vision | VISION SERVICE PLAN | 1,464 | $243K |
| Life insurance(6 contracts, 3 carriers) | PRUDENTIAL | 2,446 | $933K |
| Short-term disability(2 contracts) | PRUDENTIAL | 17 | $7K |
| Long-term disability(2 contracts) | PRUDENTIAL | 2,491 | $460K |
| Prescription drug | BLUECROSS BLUESHIELD OF ILLINOIS | 4,705 | $22.7M |
| Other(2 contracts, 2 carriers) | PRUDENTIAL | 800 | $8K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,705 | — |
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.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.