| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENICO LTD3 | 11715 E MAIN STREET PO BOX 8 HUNTLEY, IL 601420008 | BLUECROSS BLUESHIELD OF ILLINOIS | $64K | $2K | $66K | 31.58% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES, INC. | 109 LAURENS RD, SUITE 1A GREENVILLE, SC 29607 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $1K | $1K | 0.62% |
| GNASTER & GNASTER INC3 | 444 N NORTHWEST HWY SUITE 250 PARK RIDGE, IL 60068 | DELTA DENTAL OF ILLINOIS | $10K | — | $10K | 25.56% |
| BENICO LTD3 Filed as: BENICO, LTD | PO BOX 8 HUNTLEY, IL 60142 | EYEMED VISION CARE | $229 | — | $229 | 0.92% |
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 | 345 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 346 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ILLINOIS | 587 | $210K |
| Dental | DELTA DENTAL OF ILLINOIS | 278 | $39K |
| Vision | EYEMED VISION CARE | 549 | $25K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 345 | $168K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 345 | $168K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 345 | $168K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 587 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.