| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DS&P INSURANCE SERVICES, INC.3 | 1900 E GOLF ROAD-STE 225 SCHAUMBURG, IL 60173 | BLUECROSS BLUESHIELD OF ILLINOIS | $66K | $2K | $67K | 2.90% |
| DS&P INSURANCE SERVICES, INC.3 | 1900 E GOLF ROAD - STE 225 SCHAUMBURG, IL 60173 | PRINCIPAL LIFE INSURANCE COMPANY | $22K | — | $22K | 9.01% |
| DS&P INSURANCE SERVICES, INC.3 | 1900 E GOLF ROAD - STE 225 SCHAUMBURG, IL 60173 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 22.24% |
| SURE LIFE FINANCIAL GROUP LLC3 Filed as: SURE LIFE FINANCIAL GROUP, LLC | 24118 W CHICAGO ST-SUITE 100 PLAINFIELD, IL 60554 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $97 | — | $97 | 0.76% |
| THE HORTON GROUP3 Filed as: THE HORTON GROUP INC. | 10320 ORLAND PKWY-SUITE 102 ORLAND PARK, IL 60467 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $58 | — | $58 | 0.46% |
| DS&P INSURANCE SERVICES, INC.3 | 1900 E. GOLF ROAD - STE 225 SCHAUMBURG, IL 60173 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 14.87% |
| SURE LIFE FINANCIAL GROUP LLC3 | 24118 W. CHICAGO ST - SUITE 100 PLAINFIELD, IL 60554 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $79 | — | $79 | 0.79% |
| THE HORTON GROUP3 Filed as: THE HORTON GROUP, INC. | 10320 ORLAND PKWY-SUITE 102 ORLAND PARK, IL 60467 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $48 | — | $48 | 0.48% |
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 | 246 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 246 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ILLINOIS | 310 | $2.3M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 362 | $241K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 362 | $241K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 362 | $241K |
| Short-term disability(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 362 | $251K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 362 | $241K |
| Prescription drug | BLUECROSS BLUESHIELD OF ILLINOIS | 310 | $2.3M |
| Other(3 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 362 | $263K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 362 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.