| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NORTH SHORE BENEFITS PARTNERS3 | 438 N HOUGH ST BARRINGTON, IL 600103029 | AETNA | $17K | — | $17K | 9.61% |
| 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 | 216 S JEFFERSON SUITE # LL2 CHICAGO, IL 606615639 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $353 | $122 | $475 | 5.63% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF ILLINOIS LLC | 4350 WEAVER PKWY WARRENVILLE, IL 60555 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $69 | $317 | $386 | 4.57% |
| NORTH SHORE BENEFITS PARTNERS3 | 438 N HOUGH ST BARRINGTON, IL 600103029 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $799 | — | $799 | 15.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: INSENTIAL INC | 216 S JEFFERSON SUITE # LL2 CHICAGO, IL 606615639 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $222 | $81 | $303 | 5.69% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF ILLINOIS LLC | 4350 WEAVER PKWY WARRENVILLE, IL 60555 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $44 | $199 | $243 | 4.56% |
| NORTH SHORE BENEFITS PARTNERS3 Filed as: NORTH SHORE BENEFITS PARTNERS INC | 438 N HOUGH ST BARRINGTON, IL 600103029 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $627 | — | $627 | 15.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: INSENTIAL INC | 216 S JEFFERSON SUITE # LL2 CHICAGO, IL 606615639 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $174 | $63 | $237 | 5.67% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF ILLINOIS LLC | 4350 WEAVER PKWY WARRENVILLE, IL 60555 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $35 | $157 | $192 | 4.59% |
| NORTH SHORE BENEFITS PARTNERS3 | 438 N HOUGH ST BARRINGTON, IL 600103029 | DELTA DENTAL OF ILLINOIS | $81 | — | $81 | 2.15% |
| 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 | $292 | — | $292 | 10.07% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: INSENTIAL INC DBA SOURCE 1 BENEFITS | 206 S JEFFERSON SUITE # 200 CHICAGO, IL 606615639 | EYE MED | $158 | — | $158 | 5.45% |
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 | 71 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 71 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA | 32 | $177K |
| Dental | DELTA DENTAL OF ILLINOIS | 45 | $4K |
| Vision | EYE MED | 71 | $3K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 69 | $5K |
| Short-term disability(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 69 | $10K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 25 | $8K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 71 | — |
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.