| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 2800 RIVER ROAD SUITE 300 DES PLAINES, IL 60016 | BLUE CROSS BLUE SHIELD OF ILLINOIS | $71K | $3K | $74K | 4.05% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 30339 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $14K | — | $14K | 10.55% |
| BSP GROUP BENEFITS INC3 | 206 S. JEFFERSON ST SUITE 200 SUITE 1100 CHICAGO, IL 60661 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | $2K | $8K | 6.25% |
| ANDREW JACKSON3 | 1654 SOUTH RIDGE ROAD LAKE FOREST, IL 60045 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | — | $3K | 2.61% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PARKWAY SE SUITE 1950 ATLANTA, GA 30339 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $862 | $3K | 2.36% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PARKWAY SE STE 1950 ATLANTA, GA 30339 | VISION SERVICE PLAN | $1K | — | $1K | 4.14% |
| DREW JACKSON3 | 1654 SOUTH RIDGE ROAD LAKE FOREST, IL 60045 | VISION SERVICE PLAN | $174 | — | $174 | 0.71% |
| SEE ATTACHED LIST3 | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $3K | $5K | 30.05% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 30339 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 10.01% |
| ANDREW JACKSON3 | 1654 SOUTH RIDGE ROAD LAKE FOREST, IL 60045 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $242 | — | $242 | 1.65% |
| BENEFITS SERVICES PLUS, INC3 | 1827 W. OAKDALE UNIT D SUITE 1100 CHICAGO, IL 60657 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $147 | — | $147 | 1.00% |
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 | 174 | 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) | 174 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF ILLINOIS | 312 | $1.8M |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 451 | $146K |
| Vision | VISION SERVICE PLAN | 141 | $24K |
| Life insurance | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 150 | $137K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 25 | $18K |
| Long-term disability | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 150 | $137K |
| Other(2 contracts, 2 carriers) | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 150 | $155K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 451 | — |
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.