| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GNASTER & GNASTER INC3 Filed as: GNASTER & GNASTER INC. | 444 N NORTHWEST HWY STE 250 PARK RIDGE, IL 60068 | BLUECROSS BLUESHIELD OF ILLINOIS | $32K | — | $32K | 1.37% |
| BENICO LTD3 | 11715 E MAIN STREET PO BOX 8 HUNTLEY, IL 60142 | BLUECROSS BLUESHIELD OF ILLINOIS | $32K | — | $32K | 1.37% |
| GCG FINANCIAL LLC3 Filed as: GCG (GREATER CHICAGO GROUP) | THREE PARKWAY NORTH STE 500 DEERFIELD, IL 60015 | BLUECROSS BLUESHIELD OF ILLINOIS | — | $4K | $4K | 0.15% |
| THOMAS K GNASTER3 | 5800 BRENTWOOD DRIVE HOFFMAN ESTATES, IL 60192 | RELIASTAR LIFE INSURANCE COMPANY | $2K | — | $2K | 1.11% |
| GNASTER & GNASTER INC3 Filed as: GNASTER & GNASTER INC. | 444 N NORTHWEST HWY STE 250 PARK RIDGE, IL 60068 | DELTA DENTAL OF ILLINOIS | $5K | — | $5K | 14.64% |
| BENICO LTD3 | 1175 E MAIN STREET PO BOX 8 HUNTLEY, IL 60142 | DELTA DENTAL OF ILLINOIS | $5K | — | $5K | 14.53% |
| GNASTER & GNASTER INC3 Filed as: GNASTER & GNASTER, INC. | 5600 BRENTWOOD DRIVE HOFFMAN ESTATES, IL 60192 | VISION SERVICE PLAN | $674 | — | $674 | 2.02% |
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 | 388 | Currently employed and enrolled or eligible. |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 389 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ILLINOIS | 592 | $2.4M |
| Dental | DELTA DENTAL OF ILLINOIS | 299 | $37K |
| Vision | VISION SERVICE PLAN | 242 | $33K |
| Life insurance | RELIASTAR LIFE INSURANCE COMPANY | 359 | $200K |
| Short-term disability | RELIASTAR LIFE INSURANCE COMPANY | 359 | $200K |
| Long-term disability | RELIASTAR LIFE INSURANCE COMPANY | 359 | $200K |
| Other | RELIASTAR LIFE INSURANCE COMPANY | 359 | $200K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 592 | — |
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.
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.