| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JOHN MANNER INSURANCE AGENCY INC.3 | 220 NORTH LARKIN AVENUE JOLIET, IL 60435 | BLUECROSS BLUESHIELD OF ILLINOIS | — | $5K | $5K | 0.23% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF NORTHERN IL INC. | 220 NORTH LARKIN AVENUE JOLIET, IL 60435 | BLUECROSS BLUESHIELD OF ILLINOIS | -$11K | — | -$11K | -0.48% |
| THE HORTON GROUP3 Filed as: THE HORTON GROUP INC. | 10320 ORLAND PARKWAY ORLAND PARK, IL 604675658 | BLUECROSS BLUESHIELD OF ILLINOIS | -$40K | — | -$40K | -1.73% |
| THE HORTON GROUP3 Filed as: HORTON GROUP INC. | 10320 ORLAND PARKWAY ORLAND PARK, IL 604675658 | METROPOLITAN LIFE INSURANCE COMPANY | — | $7K | $7K | 4.35% |
| ASSUREX3 Filed as: ASSUREX AGENCY INC. | 175 SOUTH 3RD STREET SUITE 800 COLUMBUS, OH 432155194 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 1.14% |
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 | 343 | 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) | 344 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ILLINOIS | 335 | $2.3M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 483 | $155K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 483 | — |
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.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.