| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NORTH SHORE BENEFITS PARTNERS3 | 438 N HOUGH ST BARRINGTON, IL 600103029 | BLUE CROSS BLUE SHIELD OF ILLINOIS | $10K | — | $10K | 5.09% |
| NORTH SHORE BENEFITS PARTNERS3 | 438 N HOUGH ST BARRINGTON, IL 600103029 | HUMANA HEALTH PLAN, INC | $10K | — | $10K | 5.82% |
| NORTH SHORE BENEFITS PARTNERS3 | 438 N HOUGH ST BARRINGTON, IL 600103029 | HUMANA INSURANCE COMPANY | $2K | — | $2K | 6.07% |
| NORTH SHORE BENEFITS PARTNERS3 | 438 N HOUGH ST BARRINGTON, IL 600103029 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 15.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: INSENTIAL INC | 206 S JEFFERSON SUITE # 220 CHICAGO, IL 606615639 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $413 | — | $413 | 5.01% |
| NORTH SHORE BENEFITS PARTNERS3 | 438 N HOUGH ST BARRINGTON, IL 600103029 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $995 | — | $995 | 15.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: INSENTIAL INC | 206 S JEFFERSON SUITE # 220 CHICAGO, IL 606615639 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $332 | — | $332 | 5.00% |
| NORTH SHORE BENEFITS PARTNERS3 | 438 N HOUGH ST BARRINGTON, IL 600103029 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $779 | — | $779 | 15.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: INSENTIAL INC | 206 S JEFFERSON SUITE # 220 CHICAGO, IL 606615639 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $260 | — | $260 | 5.01% |
| NORTH SHORE BENEFITS PARTNERS3 | 438 N HOUGH ST BARRINGTON, IL 600103029 | DELTA DENTAL OF ILLINOIS | $68 | — | $68 | 1.71% |
| BSP GROUP BENEFITS INC3 | 206 S JEFFERSON SUITE # 220 CHICAGO, IL 606615639 | DELTA DENTAL OF ILLINOIS | $0 | — | $0 | 0.00% |
| NORTH SHORE BENEFITS PARTNERS3 | 438 N HOUGH ST BARRINGTON, IL 600103029 | EYE MED | $144 | — | $144 | 8.31% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: INSENTIAL INC | 206 S JEFFERSON SUITE # 220 CHICAGO, IL 606615639 | EYE MED | $71 | — | $71 | 4.10% |
| NORTH SHORE BENEFITS PARTNERS3 | 438 N HOUGH ST BARRINGTON, IL 600103029 | HUMANA INSURANCE COMPANY | $151 | — | $151 | 11.94% |
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 | 90 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 90 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | BLUE CROSS BLUE SHIELD OF ILLINOIS | 48 | $412K |
| Dental | DELTA DENTAL OF ILLINOIS | 59 | $4K |
| Vision(2 contracts, 2 carriers) | EYE MED | 44 | $3K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 90 | $7K |
| Short-term disability(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 90 | $12K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 30 | $8K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 90 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.