| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TRUENORTH COMPANIES LC3 Filed as: TRUENORTH COMPANIES, L.C. | 6400 SHAFER COURT SUITE 100 DES PLAINES, IL 60018 | BLUECROSS BLUESHIELD OF ILLINOIS | $42K | — | $42K | 1.34% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF ILLINOIS, LLC | 2205 POINT BLVD STE 200 ELGIN, IL 60123 | BLUECROSS BLUESHIELD OF ILLINOIS | -$12K | $6K | -$7K | -0.21% |
| TRUENORTH COMPANIES LC3 Filed as: TRUENORTH COMPANIES LLC | 6400 SHAFER COURT SUITE 100 DES MOINES, IL 60018 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $9K | $429 | $9K | 5.24% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF ILLINOIS, LLC | 2205 POINT BLVD STE 200 ELGIN, IL 60123 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $7K | $2K | $9K | 5.23% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF ILLINOIS, INC. | 2205 POINT BLVD STE 200 ELGIN, IL 601237840 | VISION SERVICE PLAN | $927 | — | $927 | 3.12% |
| TRUENORTH COMPANIES LC3 Filed as: TRUENORTH COMPANIES, L.C. | PO BOX 1863 CEDAR RAPIDS, IA 524061863 | VISION SERVICE PLAN | $823 | — | $823 | 2.77% |
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 | 248 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 14 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 263 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ILLINOIS | 551 | $3.1M |
| Dental | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 191 | $173K |
| Vision | VISION SERVICE PLAN | 9 | $30K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 551 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.