| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RICHARD RUSCITTI | 1537 N CLYBOURN AVE UNIT E CHICAGO, IL 60610 | BLUECROSS BLUESHIELD OF ILLINOIS | $133K | — | $133K | 3.65% |
| RICHARD RUSCITTI | 1537 N CLYBOURN AVE UNIT E CHICAGO, IL 60610 | DELTA DENTAL OF ILLINOIS | $9K | — | $9K | 4.99% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF ILLINOIS LLC | 4350 WEAVER PKWY WARRENVILLE, IL 60555 | PRINCIPAL LIFE INSURANCE COMPANY | $21K | $4K | $25K | 16.44% |
| ACRISURE LLC3 Filed as: CORKILL INSURANCE | 25NW POINT BLVD STE 625 ELK GROVE VILLAGE, IL 60007 | PRINCIPAL LIFE INSURANCE COMPANY | — | $7K | $7K | 4.84% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 10 N PARK DR STE 200 HUNT VALLEY, MD 21030 | PRINCIPAL LIFE INSURANCE COMPANY | — | $4K | $4K | 2.70% |
| RICHARD RUSCITTI | 1537 N CLYBOURN AVE UNIT E CHICAGO, IL 60610 | DEARBORN LIFE INSURANCE COMPANY | $15K | — | $15K | 12.30% |
| RICHARD RUSCITTI | 1537 N CLYBOURN AVE UNIT E CHICAGO, IL 60610 | VISION SERVICE PLAN | $1K | — | $1K | 5.00% |
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 | 314 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 316 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ILLINOIS | 352 | $3.7M |
| Dental | DELTA DENTAL OF ILLINOIS | 215 | $179K |
| Vision | VISION SERVICE PLAN | 182 | $25K |
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 322 | $125K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 294 | $152K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 294 | $152K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 352 | — |
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.