| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS GREAT PLAINS, LLC | — | BLUE CROSS BLUE SHIELD OF ILLINIOS | $79K | — | $79K | 3.43% |
| BRADLEY BOLICK3 Filed as: BRADLEY A JOHNSON | — | BLUE CROSS BLUE SHIELD OF ILLINIOS | $10K | — | $10K | 0.43% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS GP LLC | — | DELTA DENTAL OF ILLINOIS | $21K | — | $21K | 8.83% |
| GROUP BENEFIT PARTNERS LLC3 | — | METROPOLITAN LIFE INSURANCE COMPANY | $19K | — | $19K | 12.36% |
| BHERD, LLC3 Filed as: BHERD | — | METROPOLITAN LIFE INSURANCE COMPANY | $6K | — | $6K | 4.20% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS CAPITAL, INC. | — | VISION SERVICE PLAN | $3K | — | $3K | 9.97% |
| BRAD BIEL3 Filed as: BRAD JOHNSON | — | VISION SERVICE PLAN | $1 | — | $1 | 0.00% |
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 | 208 | 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) | 209 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF ILLINIOS | 489 | $2.3M |
| Dental | DELTA DENTAL OF ILLINOIS | 238 | $236K |
| Vision | VISION SERVICE PLAN | 211 | $31K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 453 | $154K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 453 | $154K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 453 | $154K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 453 | $154K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 489 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.