| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | 160 FEDERAL STREET-FL 4 BOSTON, MA 02110 | BLUECROSS BLUESHIELD OF ILLINOIS | $55K | — | $55K | 3.42% |
| THE PLEXUS GROUPE LLC3 | 21805 WEST FIELD PARKWAY SUITE 300 DEER PARK, IL 60010 | BLUECROSS BLUESHIELD OF ILLINOIS | $8K | $3K | $11K | 0.68% |
| RESOURCE BROKERAGE LLC3 | 1501 W WOODFIELD ROAD SUITE 110E SCHAUMBURG, IL 60173 | BLUECROSS BLUESHIELD OF ILLINOIS | $1K | $1K | $2K | 0.13% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | 160 FEDERAL STREET BOSTON, MA 02110 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | — | $3K | 2.81% |
| THE PLEXUS GROUPE LLC3 | 21805 WEST FIELD PARKWAY SUITE 300 DEER PARK, IL 60010 | METROPOLITAN LIFE INSURANCE COMPANY | $667 | $32 | $699 | 0.72% |
| KRAUTER & COMPANY, LLC3 | 1350 AVENUE OF THE AMERICAS-18TH FL NEW YORK, NY 10019 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 12.35% |
| THE PLEXUS GROUPE LLC3 | 21805 FIELD PARKWAY SUITE 300 DEER PARK, IL 60010 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $335 | $32 | $367 | 1.66% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE INC. | 160 FEDERAL STREET-FL 4 BOSTON, MA 02110 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 8.28% |
| THE PLEXUS GROUPE LLC3 | 21805 FIELD PARKWAY SUITE 300 DEER PARK, IL 60010 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $131 | — | $131 | 0.89% |
| KRAUTER & COMPANY, LLC3 | 1350 AVENUE OF THE AMERICAS-18TH FL NEW YORK, NY 10019 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $693 | — | $693 | 15.59% |
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 | 159 | 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) | 165 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ILLINOIS | 236 | $1.6M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 397 | $97K |
| Vision | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 56 | $15K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 180 | $27K |
| Long-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 180 | $27K |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 180 | $27K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 397 | — |
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.