| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DS&P INSURANCE SERVICES, INC.3 | 1900 E. GOLF ROAD-SUITE 225 SCHAUMBURG, IL 60173 | BLUE CROSS BLUE SHIELD OF ILLINOIS | $86K | $2K | $88K | 2.21% |
| DS&P INSURANCE SERVICES, INC.3 | 1900 E GOLF ROAD-SUITE 225 SCHAUMBURG, IL 60173 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $17K | — | $17K | 6.93% |
| DSP INSURANCE SERVICES, INC.3 Filed as: DSP INSURANCE SERVICES INC | 1900 E GOLF RD - STE 225 SCHAUMBURG, IL 60173 | RELIASTAR LIFE INSURANCE COMPANY | $20K | — | $20K | 13.00% |
| DSP INSURANCE SERVICES, INC.3 | 1900 E. GOLF ROAD-#225 SCHAUMBURG, IL 60173 | EYEMED VISION CARE | $1K | — | $1K | 5.42% |
| DS&P INSURANCE SERVICES, INC.3 | 1900 E. GOLF ROAD-SUITE 225 SCHAUMBURG, IL 60173 | DEARBORN LIFE INSURANCE COMPANY | $2K | $10K | $12K | 70.25% |
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 | 330 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | 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 | 547 | $4.0M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 280 | $240K |
| Vision | EYEMED VISION CARE | 421 | $23K |
| Life insurance | RELIASTAR LIFE INSURANCE COMPANY | 487 | $156K |
| Short-term disability | DEARBORN LIFE INSURANCE COMPANY | 50 | $17K |
| Long-term disability | RELIASTAR LIFE INSURANCE COMPANY | 487 | $156K |
| Other(2 contracts, 2 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 487 | $173K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 547 | — |
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.