| 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 | $93K | $32K | $125K | 6.58% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES | SUITE 2760 500 W MADISON STREET CHICAGO, IL 60661 | PRUDENTIAL INSURANCE CO OF AMERICA | $67K | — | $67K | 25.77% |
| IMG5 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE CO OF AMERICA | — | $544 | $544 | 0.21% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (IL) INC | SUITE 2760 500 W MADISON ST CHICAGO, IL 60661 | PRUDENTIAL | $78K | — | $78K | 195.20% |
| 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 | $82K | $82K | — |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES IL INC | 500 W MADISON ST FL 32 CHICAGO, IL 60661 | UNITEDHEALTHCARE | $5K | — | $5K | — |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 606731298 | UNITEDHEALTHCARE | — | — | $0 | — |
| NFP INSURANCE SERVICES INC4 Filed as: NFP CORPORATE SERVICES IL INC | 500 WEST MADISON STREET SUITE 2760 CHICAGO, IL 60661 | VISION SERVICE PLAN | $12K | $53K | $66K | — |
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 | 4,696 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 44 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 41 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 4,781 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF ILLINOIS | 4,696 | $1.9M |
| Dental | DELTA DENTAL OF ILLINOIS | 1,842 | $0 |
| Vision | VISION SERVICE PLAN | 0 | $0 |
| Life insurance(6 contracts, 3 carriers) | PRUDENTIAL | 3,004 | $1.0M |
| Short-term disability(2 contracts) | PRUDENTIAL | 24 | $8K |
| Long-term disability(2 contracts) | PRUDENTIAL | 2,789 | $561K |
| Prescription drug | BLUECROSS BLUESHIELD OF ILLINOIS | 4,696 | $1.9M |
| Stop-loss / reinsurancereinsurance | BLUECROSS BLUESHIELD OF ILLINOIS | 4,696 | $1.9M |
| Other(2 contracts, 2 carriers) | PRUDENTIAL | 24 | $8K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,696 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.