| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AFFILIATED BENEFIT CONSULTANTS3 Filed as: AFFILIATED BENEFIT CONSULTANTS, INC | 1111 22ND ST., STE 620 OAK BROOK, IL 60523 | BLUECROSS BLUESHIELD OF ILLINOIS | $24K | $2K | $26K | 1.61% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES, INC | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | BLUECROSS BLUESHIELD OF ILLINOIS | $8K | — | $8K | 0.48% |
| AFFILIATED BENEFIT CONSULTANTS3 Filed as: AFFILIATED BENEFIT CONSULTANTS INC. | 1111 W 22ND ST., STE. 620 OAK BROOK, IL 60523 | DEARBORN LIFE INSURANCE COMPANY | $8K | — | $8K | 5.85% |
| GALLAGHER BENEFIT SERVICES, INC. Filed as: GALLAGHER BENEFIT SERVICES | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | DEARBORN LIFE INSURANCE COMPANY | $3K | — | $3K | 2.16% |
| AFFILIATED BENEFIT CONSULTANTS3 | 1111 W. 22ND STREET SUITE 620 OAK BROOK, IL 60523 | DELTA DENTAL OF ILLINOIS | $7K | — | $7K | 6.88% |
| JOHN A. CORP.3 | 1111 W 22ND ST, STE 620 OAK BROOK, IL 60523 | VISION SERVICE PLAN | $781 | — | $781 | 7.18% |
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 | 162 | 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) | 163 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ILLINOIS | 320 | $1.6M |
| Dental | DELTA DENTAL OF ILLINOIS | 114 | $105K |
| Vision | VISION SERVICE PLAN | 100 | $11K |
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 195 | $134K |
| Short-term disability | DEARBORN LIFE INSURANCE COMPANY | 195 | $134K |
| Long-term disability | DEARBORN LIFE INSURANCE COMPANY | 195 | $134K |
| Stop-loss / reinsurancereinsurance | BLUECROSS BLUESHIELD OF ILLINOIS | 320 | $1.6M |
| Other | DEARBORN LIFE INSURANCE COMPANY | 195 | $134K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 320 | — |
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.