| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KEYSTONE INSURANCE & BENEFITS GROUP3 Filed as: KEYSTONE INS & BENEFITS GROUP LLC | 1995 POINT TOWNSHIP DR NORTHUMBERLAND, PA 17857 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $26K | $21K | $48K | 10.05% |
| BRENNAN & STUART INC3 | 222 BUCKLIN ST LA SALLE, IL 61301 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $40K | $0 | $40K | 8.37% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 604502215 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $34K | $34K | 7.03% |
| WATCHTOWER BENEFITS, LLC3 Filed as: WATCHTOWER BENEFITS LLC | 227 W MONROE ST SUITE 5200 CHICAGO, IL 60606 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $3K | $3K | 0.67% |
| BRENNAN & STUART INC3 | 222 BUCKLIN ST PO BOX 1457 LA SALLE, IL 61301 | DELTA DENTAL PLAN OF ILLINOIS | $3K | $0 | $3K | 2.23% |
| BRENNAN & STUART INC3 | 222 BUCKLIN ST PO BOX 1457 LA SALLE, IL 61301 | METROPOLITAN LIFE INSURANCE | $3K | $0 | $3K | — |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS | 422 WAUPONSEE ST MORRIS, IL 604502215 | METROPOLITAN LIFE INSURANCE | $971 | $194 | $1K | — |
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 | 584 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 586 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BERKELEY LIFE | 442 | $3.4M |
| Dental | DELTA DENTAL PLAN OF ILLINOIS | 414 | $138K |
| Life insurance(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 586 | $477K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 586 | $477K |
| Long-term disability(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 586 | $477K |
| Prescription drug | BERKELEY LIFE | 442 | $3.4M |
| Stop-loss / reinsurancereinsurance | BERKELEY LIFE | 442 | $3.4M |
| Other(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 586 | $477K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 586 | — |
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.