| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFITDECISIONS.COM3 | 125 S WACKER DRIVE, SUITE 2075 CHICAGO, IL 60606 | BLUECROSS BLUESHIELD OF ILLINOIS | $19K | — | $19K | 1.24% |
| LOCKTON COMPANIES, LLC3 | 500 WEST MONROE STREET, SUITE 3400 CHICAGO, IL 60661 | DELTA DENTAL OF ILLINOIS | $4K | — | $4K | 4.57% |
| BENEFITDECISIONS.COM3 | 125 S WACKER DR. 2075 CHICAGO, IL 60606 | DELTA DENTAL OF ILLINOIS | $4K | — | $4K | 4.41% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $6K | — | $6K | 8.50% |
| BENEFITDECISIONS.COM3 | 125 S WACKER DRIVE, SUITE 2075 CHICAGO, IL 60604 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $5K | — | $5K | 6.50% |
| LOCKTON COMPANIES, LLC3 | 500 WEST MONROE STREET, SUITE 3400 CHICAGO, IL 60661 | VISION SERVICE PLAN | $690 | — | $690 | 5.06% |
| BENEFITDECISIONS.COM3 | 125 S. WACKER DRIVE, SUITE 2075 CHICAGO, IL 60606 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 10.03% |
| DWIGHT L PIERCE3 Filed as: DWIGHT PIERCE | 7325 S. FULTON AVENUE TULSA, OK 74136 | TRUSTMARK INSURANCE COMPANY | $756 | — | $756 | 7.49% |
| BENEFITDECISIONS.COM3 | 125 S. WACKER DR. 2075 CHICAGO, IL 60606 | TRUSTMARK INSURANCE COMPANY | $325 | — | $325 | 3.22% |
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 | 175 | 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) | 175 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ILLINOIS | 316 | $1.5M |
| Dental | DELTA DENTAL OF ILLINOIS | 148 | $92K |
| Vision | VISION SERVICE PLAN | 155 | $14K |
| Life insurance | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 175 | $70K |
| Long-term disability | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 175 | $70K |
| Prescription drug | BLUECROSS BLUESHIELD OF ILLINOIS | 316 | $1.5M |
| Other(3 contracts, 3 carriers) | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 175 | $91K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 316 | — |
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."
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.