| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DS&P INSURANCE SERVICES, INC.3 | 1900 E GOLF ROAD-SUITE 650 SCHAUMBURG, IL 60173 | BLUECROSS BLUESHIELD OF ILLINOIS | $87K | $3K | $90K | 3.08% |
| DS&P INSURANCE SERVICES, INC.3 | 1900 E GOLF ROAD - SUITE 650 SCHAUMBURG, IL 60173 | DEARBORN LIFE INSURANCE COMPANY | $35K | $13K | $47K | 17.58% |
| DS&P INSURANCE SERVICES, INC.3 | 1900 E. GOLF ROAD, SUITE 650 SCHAUMBURG, IL 60173 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $11K | — | $11K | 4.35% |
| DS&P INSURANCE SERVICES, INC.3 | 1900 E GOLF ROAD,STE 650 SCHAUMBURG, IL 60173 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $7K | — | $7K | 5.14% |
| KEELER & ASSOCIATES3 | 2209 1ST AVE. PLATTSMOUTH, NE 68048 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $6K | — | $6K | 4.76% |
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 | 797 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 37 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 834 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ILLINOIS | 368 | $2.9M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 600 | $254K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 600 | $254K |
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 330 | $269K |
| Short-term disability(2 contracts, 2 carriers) | DEARBORN LIFE INSURANCE COMPANY | 330 | $400K |
| Long-term disability | DEARBORN LIFE INSURANCE COMPANY | 330 | $269K |
| Prescription drug | BLUECROSS BLUESHIELD OF ILLINOIS | 368 | $2.9M |
| Other(2 contracts, 2 carriers) | DEARBORN LIFE INSURANCE COMPANY | 330 | $400K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 600 | — |
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.