| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFITS | 2315 ENTERPRISE DR., SUITE 105 WESTCHESTER, IL 60154 | BLUECROSS BLUESHIELD OF ILLINOIS | $0 | $5K | $5K | 0.13% |
| RISK CONSULTING PARTNERS LLC3 Filed as: RISK CONSULTING PARTNERS | 8112 MARYLAND AVENUE SUITE 400 CLAYTON, MO 63105 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $11K | — | $11K | 4.15% |
| YOLT LLC3 Filed as: YOLT LLC DBA DC BENEFITS CONSULTING | 914 VERNON AVE WINNETKA, IL 60093 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $2K | — | $2K | 0.80% |
| RISK CONSULTING PARTNERS LLC3 Filed as: RISK CONSULTING PARTNERS | 8112 MARYLAND AVENUE SUITE 400 CLAYTON, MA 63105 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 3.85% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICE | 2315 ENTERPRISE DR. STE 105 WESTCHESTER, IL 60154 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $71 | — | $71 | 0.07% |
| YOLT LLC3 Filed as: YOLT LLC DBA DC BENEFITS | 914 VERNON AVE WINNETKA, IL 60093 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $62 | — | $62 | 0.06% |
| RISK CONSULTING PARTNERS LLC3 Filed as: RISK CONSULTING PARTNERS | 8112 MARYLAND AVENUE SUITE 400 CLAYTON, MO 63105 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $620 | — | $620 | 10.37% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICE | 2315 ENTERPRISE DR. STE 105 WESTCHESTER, IL 60154 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $51 | — | $51 | 0.85% |
| YOLT LLC3 Filed as: YOLT LLC DBA DC BENEFITS | 914 VERNON AVE WINNETKA, IL 60093 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $46 | — | $46 | 0.77% |
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 | 422 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 431 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ILLINOIS | 699 | $3.8M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 411 | $264K |
| Vision | VISION SERVICE PLAN | 282 | $26K |
| Life insurance(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 422 | $121K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 422 | $90K |
| Prescription drug | BLUECROSS BLUESHIELD OF ILLINOIS | 699 | $3.8M |
| Other(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 422 | $7K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 699 | — |
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.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
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.