| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NORTH SHORE BENEFITS PARTNERS3 | 438 N HOUGH ST BARRINGTON, IL 600103029 | AETNA | $17K | — | $17K | 9.56% |
| NORTH SHORE BENEFITS PARTNERS3 Filed as: NORTH SHORE BENEFITS PARTNERS INC | 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 # 200 CHICAGO, IL 606615639 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $411 | $127 | $538 | 6.55% |
| NORTH SHORE BENEFITS PARTNERS3 | 438 N HOUGH ST BARRINGTON, IL 600103029 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $806 | — | $806 | 15.00% |
| BSP GROUP BENEFITS INC3 | 206 S JEFFERSON SUITE # 200 CHICAGO, IL 606615639 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $269 | $92 | $361 | 6.72% |
| NORTH SHORE BENEFITS PARTNERS3 Filed as: NORTH SHORE BENEFITS PARTNERS INC | 438 N HOUGH ST BARRINGTON, IL 600103029 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $627 | — | $627 | 15.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: INSENTIAL INC | 206 S JEFFERSON SUITE # 200 CHICAGO, IL 606615639 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $209 | $74 | $283 | 6.77% |
| NORTH SHORE BENEFITS PARTNERS3 | 438 N HOUGH ST BARRINGTON, IL 600103029 | DELTA DENTAL OF ILLINOIS | $83 | — | $83 | 2.22% |
| BSP GROUP BENEFITS INC3 | 206 S JEFFERSON SUITE # 200 CHICAGO, IL 606615639 | DELTA DENTAL OF ILLINOIS | $18 | — | $18 | 0.48% |
| NORTH SHORE BENEFITS PARTNERS3 Filed as: NORTH SHORE BENEFITS PARTNERS INC | 527 OLD NORTHWEST HWY SUITE 304 BARRINGTON, IL 60010 | EYE MED | $297 | — | $297 | 10.10% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: INSENTIAL INC DBA SOURCE 1 BENEFITS | 206 S JEFFERSON SUITE # 200 CHICAGO, IL 606615639 | EYE MED | $161 | — | $161 | 5.48% |
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 | 73 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 73 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA | 36 | $181K |
| Dental | DELTA DENTAL OF ILLINOIS | 49 | $4K |
| Vision | EYE MED | 37 | $3K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 73 | $5K |
| Short-term disability(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 73 | $10K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 28 | $8K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 73 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
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.