| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| R W GARRETT AGENCY3 Filed as: RW GARRETT AGENCY, INC. | 2201 WOODLAWN ROAD LINCOLN, IL 62656 | BLUE CROSS BLUE SHIELD OF ILLINOIS | $45K | $2K | $47K | 2.64% |
| REDFIELD ASSOCIATES LTD3 Filed as: REDFIELD ASSOCIATES, LTD. | 1190 REDFIELD RD. NAPERVILLE, IL 60563 | AETNA LIFE INSURANCE COMPANY | $986 | — | $986 | 19.21% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW YORK, INC. | ONE WORLD FINANCIAL CENTER 200 LIBERTY ST. NEW YORK, NY 10281 | HARTFORD LIFE AND ACCIDENT | $421 | — | $421 | 24.99% |
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 | 207 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 207 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF ILLINOIS | 415 | $1.8M |
| Dental | BLUE CROSS BLUE SHIELD OF ILLINOIS | 415 | $1.8M |
| Vision | VISION SERVICE PLAN | 143 | $14K |
| Life insurance | AETNA LIFE INSURANCE COMPANY | 284 | $5K |
| Other(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 284 | $7K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 415 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.