| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES IL INC. | 500 W. MADISON STREET, SUITE 2760 CHICAGO, IL 60661 | UNITED HEALTHCARE INSURANCE COMPANY | $2K | $33K | $35K | 5.29% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES IL INC. | 500 W. MADISON STREET, SUITE 2760 CHICAGO, IL 60661 | DELTA DENTAL OF ILLINOIS | $3K | — | $3K | 6.50% |
| LOCKTON COMPANIES, LLC3 | 500 W. MONROE STREET, SUITE 3400 CHICAGO, IL 60661 | DELTA DENTAL OF ILLINOIS | $690 | — | $690 | 1.46% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES INC. | 500 W. MADISON STREET, SUITE 2760 CHICAGO, IL 60661 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 9.08% |
| LOCKTON COMPANIES, LLC3 | 500 W. MONROE STREET, SUITE 3400 CHICAGO, IL 60661 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 6.01% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES IL, INC | 500 W. MADISON STREET, SUITE 2760 CHICAGO, IL 60661 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 15.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES IL INC | 500 W. MADISON STREET, SUITE 2760 CHICAGO, IL 60661 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES IL INC. | 500 W. MADISON STREET, SUITE 2760 CHICAGO, IL 60661 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 15.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES | ONE NORTHBROOK PLACE 5 REVERE DRIVE, SUITE 130 NORTHBROOK, IL 60062 | PROTEC INSURANCE COMPANY | $645 | — | $645 | 8.91% |
| LOCKTON COMPANIES, LLC3 | 500 W. MONROE STREET, SUITE 3400 CHICAGO, IL 60661 | PROTEC INSURANCE COMPANY | $152 | — | $152 | 2.10% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES IL INC | 500 W. MADISON STREET, SUITE 2760 CHICAGO, IL 60661 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $608 | — | $608 | 15.01% |
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 | 126 | 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) | 126 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 98 | $664K |
| Dental | DELTA DENTAL OF ILLINOIS | 93 | $47K |
| Vision | PROTEC INSURANCE COMPANY | 69 | $7K |
| Life insurance(2 contracts, 2 carriers) | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 133 | $42K |
| Short-term disability(2 contracts, 2 carriers) | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 132 | $51K |
| Long-term disability(2 contracts, 2 carriers) | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 126 | $37K |
| Other(3 contracts, 2 carriers) | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 133 | $55K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 133 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.