| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS | FOUR WESTBROOK CORPORATE CENTER SUITE 500 WESTCHESTER, IL 60154 | BLUECROSS BLUESHIELD OF ILLINOIS | $96K | $0 | $96K | 3.00% |
| AMERICAN WESTBROOK INSURANCE3 | FOUR WESTBROOK CORPORATE CENTER SUITE 500 WESTCHESTER, IL 60154 | DELTA DENTAL OF ILLINOIS | $12K | $0 | $12K | 9.96% |
| BSP GROUP BENEFITS INC3 | UNKNOWN WOODBRIDGE, IL 60517 | DELTA DENTAL OF ILLINOIS | $0 | $5K | $5K | 3.98% |
| AMERICAN WESTBROOK INSURANCE3 | FOUR WESTBROOK CORPORATE CENTER SUITE 500 WESTCHESTER, IL 60154 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $10K | $0 | $10K | 8.34% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: INSENTIAL, INC. | 206 SOUTH JEFFERSON STREET SUITE 200 CHICAGO, IL 60661 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $0 | $6K | $6K | 5.00% |
| AMERICAN WESTBROOK INSURANCE3 | FOUR WESTBROOK CORPORATE CENTER SUITE 500 WESTCHESTER, IL 60154 | EYEMED | $2K | $0 | $2K | 9.08% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: INSENTIAL, INC. | 206 SOUTH JEFFERSON STREET SUITE 200 CHICAGO, IL 60661 | EYEMED | $882 | $0 | $882 | 4.54% |
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 | 280 | 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) | 280 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ILLINOIS | 580 | $3.2M |
| Dental | DELTA DENTAL OF ILLINOIS | 207 | $118K |
| Vision | EYEMED | 380 | $19K |
| Life insurance | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 437 | $117K |
| Long-term disability | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 437 | $117K |
| Prescription drug | BLUECROSS BLUESHIELD OF ILLINOIS | 580 | $3.2M |
| Other | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 437 | $117K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 580 | — |
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.