| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DS&P INSURANCE SERVICES, INC.3 | 1900 E. GOLF ROAD-SUITE 650 SCHAUMBURG, IL 60173 | BLUE CROSS BLUE SHIELD OF ILLINOIS | $77K | — | $77K | 1.98% |
| DS&P INSURANCE SERVICES, INC.3 | 1900 E. GOLF ROAD-SUITE 650 SCHAUMBURG, IL 60173 | RELIASTAR LIFE INSURANCE COMPANY | $35K | — | $35K | 13.00% |
| DS&P INSURANCE SERVICES, INC.3 | 1900 E. GOLF ROAD-SUITE 650 SCHAUMBURG, IL 60173 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $16K | — | $16K | 6.92% |
| DS&P INSURANCE SERVICES, INC.3 | 1900 E GOLF ROAD-SUITE 650 SCHAUMBURG, IL 60173 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $8K | — | $8K | 6.92% |
| DSP INSURANCE SERVICES, INC.3 | 1900 E. GOLF ROAD-#650 SCHAUMBURG, IL 60173 | EYEMED VISION CARE | $1K | — | $1K | 4.98% |
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 | 329 | 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. |
| Total participants (= "Plan participants" tile) | 334 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF ILLINOIS | 557 | $3.9M |
| Dental(2 contracts) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 282 | $352K |
| Vision | EYEMED VISION CARE | 400 | $23K |
| Life insurance | RELIASTAR LIFE INSURANCE COMPANY | 329 | $272K |
| Short-term disability | RELIASTAR LIFE INSURANCE COMPANY | 329 | $272K |
| Long-term disability | RELIASTAR LIFE INSURANCE COMPANY | 329 | $272K |
| Other | RELIASTAR LIFE INSURANCE COMPANY | 329 | $272K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 557 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.