| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE BJORK GROUP INC3 | 1033 NORTH SKOKIE BOULEVARD SUITE 210 NORTHBROOK, IL 60062 | BLUECROSS BLUESHIELD OF ILLINOIS | $24K | $457 | $24K | 2.02% |
| PHILLIPS BROS. INS. AGENCY, INC.3 Filed as: PHILLIPS BROS INSURANCE AGENCY INC | 2 NORTH LASALLE STREET SUITE 1606 CHICAGO, IN 60602 | BLUECROSS BLUESHIELD OF ILLINOIS | $24K | — | $24K | 1.99% |
| PHILLIPS BROS. INS. AGENCY, INC.3 Filed as: PHILLIPS BROS INS AGENCY, INC. | 2 NORTH LASALLE STREET SUITE 1606 CHICAGO, IL 60602 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 4.43% |
| THE BJORK GROUP INC3 | 1033 SKOKIE BOULEVARD SUITE 300 NORTHBROOK, IL 60062 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 4.43% |
| THE BJORK GROUP INC3 | 1033 SKOKIE BOULEVARD SUITE 300 NORTHBROOK, IL 60062 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $114 | $4K | $4K | 2.88% |
| NATIONAL BENEFIT CENTER3 Filed as: NATIONAL BENEFIT CENTER LLC | 1105 NORTH MARKET STREET SUITE 1300 WILMINGTON, DE 19801 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $254 | — | $254 | 0.18% |
| PHILLIPS BROS. INS. AGENCY, INC.3 Filed as: PHILLIPS BROS INS AGENCY, INC. | 2 NORTH LASALLE STREET SUITE 1606 CHICAGO, IL 60602 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $114 | — | $114 | 0.08% |
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 | 120 | 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) | 121 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ILLINOIS | 211 | $1.2M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 157 | $140K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 157 | $140K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 157 | $140K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 157 | $140K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 157 | $140K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 157 | $140K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 211 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.