| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AMERICAN WESTBROOK INS SERVICES LLC3 Filed as: AMERICAN WESTBROOK INS. SVCES., LLC | 4 WESTBROOK CORPORATE CENTER SUITE 500 WESTCHESTER, IL 60154 | BLUE CROSS BLUE SHIELD OF ILLINOIS | $93K | $1K | $94K | 2.95% |
| AMERICAN WESTBROOK INS SERVICES LLC3 Filed as: AMERICAN WESTBROOK INS. SVCES., LLC | 4 WESTBROOK CORPORATE CENTER SUITE 500 WESTCHESTER, IL 60154 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $10K | $9K | $20K | 15.01% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: INSENTIAL, INC. | 206 SOUTH JEFFERSON STREET SUITE 200 CHICAGO, IL 60661 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | — | $7K | $7K | 5.00% |
| AMERICAN WESTBROOK INS SERVICES LLC3 Filed as: AMERICAN WESTBROOK INS. SVCES., LLC | 4 WESTBROOK CORPORATE CENTER SUITE 500 WESTCHESTER, IL 60154 | ADVANTICA ADMINISTRATIVE SERVICES, INC. | $11K | — | $11K | 10.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: INSENTIAL, INC. | 206 SOUTH JEFFERSON STREET SUITE 200 CHICAGO, IL 60661 | ADVANTICA ADMINISTRATIVE SERVICES, INC. | $5K | — | $5K | 5.00% |
| AMERICAN WESTBROOK INS SERVICES LLC3 Filed as: AMERICAN WESTBROOK INS. SVCES., LLC | 4 WESTBROOK CORPORATE CENTER SUITE 500 WESTCHESTER, IL 60154 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | $451 | $2K | 8.59% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: INSENTIAL, INC. | 206 SOUTH JEFFERSON STREET SUITE 200 CHICAGO, IL 60661 | ASSURITY LIFE INSURANCE | $2K | — | $2K | 6.90% |
| TERRANCE BYRNE3 Filed as: TERRANCE J. BYRNE | UNKNOWN WOODRIDGE, IL 60517 | ASSURITY LIFE INSURANCE | $2K | — | $2K | 6.90% |
| AMERICAN WESTBROOK INS SERVICES LLC3 Filed as: AMERICAN WESTBROOK INS. SVCES., LLC | 4 WESTBROOK CORPORATE CENTER SUITE 500 WESTCHESTER, IL 60154 | UNITEDHEALTHCARE INSURANCE COMPANY | $2K | — | $2K | 10.05% |
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 | 374 | 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) | 374 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF ILLINOIS | 561 | $3.2M |
| Dental(2 contracts, 2 carriers) | ADVANTICA ADMINISTRATIVE SERVICES, INC. | 245 | $136K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 137 | $16K |
| Life insurance | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 374 | $130K |
| Short-term disability | ASSURITY LIFE INSURANCE | 34 | $24K |
| Long-term disability | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 374 | $130K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF ILLINOIS | 561 | $3.2M |
| Other(2 contracts, 2 carriers) | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 374 | $154K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 561 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.