| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE PLEXUS GROUPE LLC3 Filed as: PLEXUS GROUP LLC | 21805 FIELD PARKWAY #300 DEER PARK, IL 60010 | BLUECROSS BLUESHIELD OF ILLINOIS | $80K | — | $80K | 1.05% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES IL INC. | 500 WEST MADISON STREET 32ND FLOOR CHICAGO, IL 60661 | BLUECROSS BLUESHIELD OF ILLINOIS | $26K | $10K | $36K | 0.48% |
| THE PLEXUS GROUPE LLC3 | 21805 FIELD PKWY #300 DEER PARK, IL 60010 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $8K | — | $8K | 15.00% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TEXAS HWY S BLDG 11 STE 600 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $1K | $1K | 2.82% |
| WATCHTOWER TECHNOLOGIES INC3 Filed as: WATCHTOWER TECHNOLOGIES | 2734 N MILDRED AVE #3 CHICAGO, IL 60614 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $754 | $754 | 1.50% |
| THE PLEXUS GROUPE LLC3 | 21805 FIELD PKWY #300 DEER PARK, IL 60010 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $7K | — | $7K | 15.00% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TEXAS HWY S BLDG 11 STE 600 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $1K | $1K | 2.79% |
| THE PLEXUS GROUPE LLC3 | 21805 FIELD PKWY #300 DEER PARK, IL 60010 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | — | $4K | 15.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES | 1250 CAPITAL OF TX HWY S BLDG II STE 600 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $781 | $781 | 2.83% |
| WATCHTOWER TECHNOLOGIES INC3 Filed as: WATCHTOWER TECHNOLOGIES | 2734 N MILDRED AVE #3 CHICAGO, IL 60614 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $414 | $414 | 1.50% |
| THE PLEXUS GROUPE LLC3 | 21805 FIELD PKWY #300 DEER PARK, IL 60010 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 14.97% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INS SERVICES INC | 1250 CAPITAL OF TEXAS HWY S BLDG 11 STE 600 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $582 | $582 | 2.58% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES | 500 WEST MADISON STREET 32ND FLOOR CHICAGO, IL 60661 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $7 | — | $7 | 0.03% |
| WATCHTOWER TECHNOLOGIES INC3 | 2734 N MILDRED AVE #3 CHICAGO, IL 60618 | DELTA DENTAL OF ILLINOIS | $324 | — | $324 | 1.46% |
| THE PLEXUS GROUPE LLC3 | 21805 FIELD PKWY #300 DEER PARK, IL 60010 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $641 | — | $641 | 14.99% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TX HWY S BLDG II STE 600 AUSTIN, TX 78746 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $121 | $121 | 2.83% |
| WATCHTOWER TECHNOLOGIES INC3 Filed as: WATCHTOWER TECHNOLOGIES | 2734 N MILDRED AVE #3 CHICAGO, IL 60614 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $64 | $64 | 1.50% |
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 | 518 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 20 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 540 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ILLINOIS | 876 | $7.6M |
| Dental | DELTA DENTAL OF ILLINOIS | 439 | $22K |
| Vision | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INS. CO. | 712 | $20K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 548 | $23K |
| Other(5 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 548 | $150K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 876 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.