| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE PLEXUS GROUPE LLC3 | 21805 FIELD PKWY 300 DEER PARK, IL 60010 | BLUE CROSS BLUE SHIELD OF ILLINOIS | $66K | $4K | $70K | 4.01% |
| THE PLEXUS GROUPE LLC3 | 21805 FIELD PKWY 300 DEER PARK, IL 60010 | DEARBORN LIFE INSURANCE COMPANY | $15K | — | $15K | 10.00% |
| RESOURCE BROKERAGE LLC3 | 1501 E WOODFIELD RD STE 110E SCHAUMBURG, IL 60173 | DEARBORN LIFE INSURANCE COMPANY | — | $11K | $11K | 6.94% |
| THE PLEXUS GROUPE LLC3 | 21805 FIELD PKWY 300 DEER PARK, IL 60010 | GUARDIAN LIFE INSURANCE COMPANY | $5K | — | $5K | 5.00% |
| THE PLEXUS GROUPE LLC3 | 21805 FIELD PKWY 300 DEER PARK, IL 60010 | METROPOLITAN LIFE INSURANCE COMPANY | $692 | — | $692 | 5.01% |
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 | 349 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 354 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF ILLINOIS | 221 | $1.8M |
| Dental | GUARDIAN LIFE INSURANCE COMPANY | 147 | $101K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 116 | $14K |
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 458 | $152K |
| Short-term disability | DEARBORN LIFE INSURANCE COMPANY | 458 | $152K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF ILLINOIS | 221 | $1.8M |
| Other | DEARBORN LIFE INSURANCE COMPANY | 458 | $152K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 458 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
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.