| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES, I | — | BLUECROSS BLUESHIELD OF ILLINOIS | $65K | — | $65K | 2.49% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF ILLINOIS INC | — | BLUECROSS BLUESHIELD OF ILLINOIS | $25K | — | $25K | 0.95% |
| VISTA NATIONAL INSURANCE GROUP INC3 | — | BLUECROSS BLUESHIELD OF ILLINOIS | $11K | $1K | $12K | 0.45% |
| MILLION DOLLAR ROUND TABLE3 | 325 WEST TOUHY AVENUE PARK RIDGE, IL 60068 | BLUECROSS BLUESHIELD OF ILLINOIS | — | $1 | $1 | 0.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES IN | 1301 WEST 22ND STREET SUITE 600 OAK BROOK, IL 60523 | METROPOLITAN LIFE INSURANCE COMPANY | $12K | $99 | $12K | 6.87% |
| STRATEGIC EMPLOYEE BENEFIT SERVICES3 Filed as: STRATEGIC NON-MEDICAL SOLUTIONS LLC | 1 BEACON STREET SUITE 17100 BOSTON, MA 02108 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | — | $8K | 4.56% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF ILLINOIS DBA VISTA | 1301 WEST 22ND STREET SUITE 600 OAK BROOK, IL 60523 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $99 | $5K | 3.08% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF ILLINOIS INC | 263 SHUMAN BOULEVARD SUITE 110 NAPERVILLE, IL 60563 | METROPOLITAN LIFE INSURANCE COMPANY | — | $852 | $852 | 0.50% |
| STRATEGIC EMPLOYEE BENEFIT SERVICES3 Filed as: STRATEGIC NON-MEDICAL SOLUTIONS LLC | 1 BEACON STREET SUITE 17100 BOSTON, MA 02108 | METROPOLITAN LIFE INSURANCE COMPANY | — | $3 | $3 | 0.00% |
| MANAGEMENT PROFESSIONAL SVCS INC3 | PO BOX 1307 LA SALLE, IL 61301 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $12K | — | $12K | 15.00% |
| MANAGEMENT PROFESSIONAL SVCS INC3 | PO BOX 1307 LA SALLE, IL 61301 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | — | $5K | 8.50% |
| MANAGEMENT PROFESSIONAL SVCS INC3 | PO BOX 1307 LA SALLE, IL 61301 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 5.99% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES, I | 1301 WEST 22ND STREET SUITE 600 OAK BROOK, IL 60523 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $938 | — | $938 | 5.80% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF IL, INC. | 1301 WEST 22ND STREET SUITE 600 OAK BROOK, IL 60523 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $541 | — | $541 | 3.35% |
| STRATEGIC NON-MEDICAL SOLUTION3 Filed as: STRATEGIC NON-MEDICAL SOLUTIONS, LL | 1 BEACON STREET SUITE 17100 BOSTON, MA 02108 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $51 | — | $51 | 0.32% |
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 | 146 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 147 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ILLINOIS | 269 | $2.6M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 299 | $170K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 144 | $16K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 140 | $78K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 126 | $58K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 126 | $64K |
| Other | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 140 | $78K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 299 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.