| 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 | $68K | $2K | $70K | 1.91% |
| 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 | 6.93% |
| DS&P INSURANCE SERVICES, INC.3 | 1900 E. GOLF ROAD-SUITE 650 SCHAUMBURG, IL 60173 | DEARBORN LIFE INSURANCE COMPANY | $25K | $10K | $34K | 18.28% |
| DSP INSURANCE SERVICES, INC.3 | 1900 E. GOLF ROAD-#650 SCHAUMBURG, IL 60173 | EYEMED VISION CARE | $1K | — | $1K | 5.01% |
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 | 322 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 328 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF ILLINOIS | 521 | $3.7M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 269 | $231K |
| Vision | EYEMED VISION CARE | 398 | $24K |
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 322 | $188K |
| Short-term disability | DEARBORN LIFE INSURANCE COMPANY | 322 | $188K |
| Long-term disability | DEARBORN LIFE INSURANCE COMPANY | 322 | $188K |
| Other | DEARBORN LIFE INSURANCE COMPANY | 322 | $188K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 521 | — |
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."
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.