| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE | 2800 RIVER ROAD SUITE 300 DES PLAINES, IL 60016 | BLUE CROSS BLUE SHIELD OF ILLINOIS | $70K | — | $70K | 3.78% |
| ANDREW JACKSON3 | 1654 SOUTH RIDGE ROAD LAKE FOREST, IL 60045 | SUN LIFE ASSURANCE COMPANY OF CANADA | $14K | — | $14K | 10.00% |
| ANDREW JACKSON3 | 1654 SOUTH RIDGE ROAD LAKE FOREST, IL 60045 | METROPOLITAN LIFE INSURANCE COMPANY | $13K | — | $13K | 10.01% |
| BSP GROUP BENEFITS INC3 | 206 S. JEFFERSON ST SUITE 200 SUITE 1100 CHICAGO, IL 60661 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | — | $7K | 5.01% |
| ANDREW JACKSON3 | 1654 SOUTH RIDGE ROAD LAKE FOREST, IL 60045 | SUN LIFE ASSURANCE COMPANY OF CANADA | $4K | — | $4K | 13.93% |
| DREW JACKSON3 | 1654 SOUTH RIDGE ROAD LAKE FOREST, IL 60045 | VISION SERVICE PLAN | $1K | — | $1K | 5.11% |
| ANDREW JACKSON3 | 1654 SOUTH RIDGE ROAD LAKE FOREST, IL 60045 | GUARDIAN LIFE INSURANCE | $2K | — | $2K | 9.96% |
| BENEFITS SERVICES PLUS, INC3 | 1827 W. OAKDALE UNIT D SUITE 1100 CHICAGO, IL 60657 | GUARDIAN LIFE INSURANCE | $929 | — | $929 | 6.04% |
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 | 158 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 27 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 185 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF ILLINOIS | 305 | $1.9M |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 428 | $150K |
| Vision | VISION SERVICE PLAN | 139 | $24K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 182 | $139K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 182 | $29K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 428 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.