| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE MILLER GROUP3 Filed as: MILLER SERVICES | 1515 S MERIDIAN RD ROCKFORD, IL 61102 | BLUECROSS BLUESHIELD OF ILLINOIS | $81K | — | $81K | 3.82% |
| FIRST INSURANCE GROUP LLC3 Filed as: FIRST INSURANCE GROUP | 839 N PERRYVILLE ROAD ROCKFORD, IL 61107 | BLUECROSS BLUESHIELD OF ILLINOIS | $0 | $1K | $1K | 0.06% |
| THE MILLER GROUP3 Filed as: MILLER SERVICES | 1515 SOUTH MERIDIAN RD ROCKFORD, IL 61102 | HARTFORD LIFE AND ACCIDENT | $4K | — | $4K | 15.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | PO BOX 592 WINNEBAGO, IL 61088 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $308 | — | $308 | 4.58% |
| FIRST INSURANCE GROUP LLC3 | 1100 E RT 34 PLANO, IL 60545 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $155 | — | $155 | 2.31% |
| FELTER INC3 | 5403 COMMONWEALTH AVE WESTERN SPRINGS, IL 60558 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $130 | $19 | $149 | 2.22% |
| JORGE ALEJANDRO MONTEMAYOR3 Filed as: JORGE H CASTELLANOS | 7441 FIGURA DR JUSTICE, IL 60458 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $110 | $12 | $122 | 1.82% |
| MICHAEL A SMITH3 | 100 E 14TH ST, STE #3205 CHICAGO, IL 60605 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $65 | — | $65 | 0.97% |
| JOSEPH P CALARCO3 Filed as: JOSEPH CHAVEZ | 1807 W DIEL RD NAPERVILLE, IL 60563 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $29 | $21 | $50 | 0.74% |
| RICHARD STURM3 Filed as: RICHARD ROBERT STURM | 4 WEST FULTON ST EDGERTON, WI 53534 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $34 | — | $34 | 0.51% |
| ROBERT CZERWINSKI3 | 3512 STONE CREEK JOLIET, IL 60435 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | $10 | $14 | 0.21% |
| WILLIAM J MORRIS3 | 1116 CANNELL COURT ROCKTON, IL 61072 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $11 | — | $11 | 0.16% |
| DAVID TODD WEINSTEIN3 Filed as: DAVID TOOD WEINSTEIN | 601 W JACKSON BLVD - UNIT 912 CHICAGO, IL 60661 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | $1 | $7 | 0.10% |
| MICHAEL BLOCK3 | 16619 S. PINECREEK DRIVE LOCKPORT, IL 60441 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | — | $6 | 0.09% |
| FIRST BENEFITS CORPORATION3 Filed as: FIRST BENEFITS GROUP | 1116 CANNELL CT STE 4 ROCKTON, IL 61072 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | — | $6 | 0.09% |
| MICHELLE CRISANTI3 | 802 RIVERWALK DRIVE #110 WAUKESHA, WI 53188 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.07% |
| RUSSELL R DIXON3 | PO BOX 27 WHEATON, IL 60187 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.06% |
| MAGDALENA RUIZ DE GOMEZ3 | 163 STILLWOOD DR NEWNAN, GA 30265 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.03% |
| ROBERT W VESTAL3 | PO BOX 1240 DELAND, FL 32721 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.01% |
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 | 243 | 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) | 243 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ILLINOIS | 331 | $2.1M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 243 | $26K |
| Other | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 88 | $7K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 331 | — |
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.