| 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 | $51K | $2K | $53K | 2.43% |
| GNASTER & GNASTER INC3 Filed as: GNASTER & GNASTER | 444 N NORTHWEST HWY STE 250 PARK RIDGE, IL 60068 | BLUECROSS BLUESHIELD OF ILLINOIS | $10K | — | $10K | 0.47% |
| THOMAS K GNASTER3 | 444 N NORTHWEST HWY STE 250 PARK RIDGE, IL 600683276 | RELIASTAR LIFE INSURANCE COMPANY | $7K | — | $7K | 4.01% |
| GNASTER & GNASTER INC3 | 444 N NORTHWEST HWY STE 250 PARK RIDGE, IL 60068 | DELTA DENTAL OF ILLINOIS | $9K | — | $9K | 25.33% |
| BENICO LTD3 | 1175 E MAIN STREET PO BOX 8 HUNTLEY, IL 60142 | DELTA DENTAL OF ILLINOIS | $804 | — | $804 | 2.16% |
| GNASTER & GNASTER INC3 Filed as: GNASTER & GNASTER, INC. | 5600 BRENTWOOD DR HOFFMAN ESTATES, IL 601924642 | VISION SERVICE PLAN | $695 | — | $695 | 2.36% |
| BENICO LTD3 Filed as: BENICO, LTD | PO BOX 8 HUNTLEY, IL 601420008 | VISION SERVICE PLAN | $695 | — | $695 | 2.36% |
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 | 348 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 354 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ILLINOIS | 608 | $2.2M |
| Dental | DELTA DENTAL OF ILLINOIS | 289 | $37K |
| Vision | VISION SERVICE PLAN | 267 | $29K |
| Life insurance | RELIASTAR LIFE INSURANCE COMPANY | 745 | $173K |
| Short-term disability | RELIASTAR LIFE INSURANCE COMPANY | 745 | $173K |
| Long-term disability | RELIASTAR LIFE INSURANCE COMPANY | 745 | $173K |
| Other | RELIASTAR LIFE INSURANCE COMPANY | 745 | $173K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 745 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.