| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE PLEXUS GROUPE LLC3 Filed as: THE PLEXUS GROUPE, LLC | 21805 FIELD PARKWAY, SUITE 300 DEER PARK, IL 60010 | BLUE CROSS AND BLUE SHIELD OF ILLINOIS | $29K | $2K | $32K | 0.85% |
| LOCKTON COMPANIES, LLC3 | 3280 PEACHTREE ROAD NE, SUITE 250 ATLANTA, GA 30305 | BLUE CROSS AND BLUE SHIELD OF ILLINOIS | $0 | $1 | $1 | 0.00% |
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW INSURANCE SERVICES, INC. | UNKNOWN DOWNERS GROVE, IL 60515 | BLUE CROSS AND BLUE SHIELD OF ILLINOIS | -$29K | $6K | -$23K | -0.63% |
| THE PLEXUS GROUPE LLC3 Filed as: THE PLEXUS GROUPE, LLC | 21805 FIELD PARKWAY, SUITE 300 DEER PARK, IL 60010 | DEARBORN LIFE INSURANCE COMPANY | $148 | $6K | $6K | 3.01% |
| THE PLEXUS GROUPE LLC3 Filed as: THE PLEXUS GROUPE, LLC | 21805 FIELD PARKWAY, SUITE 300 DEER PARK, IL 60010 | VISION SERVICE PLAN | $1K | $0 | $1K | 4.03% |
| THE PLEXUS GROUPE LLC3 Filed as: THE PLEXUS GROUPE, LLC | 21805 FIELD PARKWAY, SUITE 300 DEER PARK, IL 60010 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 15.43% |
| KRISTI L HARSHBARGER3 Filed as: KRISTI HARSHBARGER | 220 WEST ILLINOIS STREET, UNIT 1201 CHICAGO, IL 60654 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 14.68% |
| ROCKWELL & ASSOCIATES3 Filed as: ROCKWELL AND ASSOCIATES LTD | 303 WEST ERIE, SUITE 400 CHICAGO, IL 60654 | CONTINENTAL AMERICAN INSURANCE COMPANY | $531 | $0 | $531 | 6.42% |
| DANIEL A MARINEZ3 Filed as: DANIEL A. MARINEZ | 3761 SOUTH MORGAN STREET, UNIT C CHICAGO, IL 60609 | CONTINENTAL AMERICAN INSURANCE COMPANY | $357 | $0 | $357 | 4.32% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | CONTINENTAL AMERICAN INSURANCE COMPANY | $280 | $0 | $280 | 3.39% |
| NASCA & ASSOCIATES3 Filed as: NASCA AND ASSOCIATES LTD AND OTHERS | 303 WEST ERIE, SUITE 400 CHICAGO, IL 60654 | CONTINENTAL AMERICAN INSURANCE COMPANY | $201 | $0 | $201 | 2.43% |
| SANTIAGO & ASSOCIATES LLC3 Filed as: SANTIAGO AND ASSOCIATES, LLC | 950 WEST NORTON AVENUE, SUITE 201 MUSKEGON, MI 49441 | CONTINENTAL AMERICAN INSURANCE COMPANY | $91 | $0 | $91 | 1.10% |
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 | 348 | 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) | 348 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF ILLINOIS | 536 | $3.7M |
| Dental | BLUE CROSS AND BLUE SHIELD OF ILLINOIS | 536 | $3.7M |
| Vision | VISION SERVICE PLAN | 277 | $35K |
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 348 | $215K |
| Short-term disability | DEARBORN LIFE INSURANCE COMPANY | 348 | $215K |
| Long-term disability | DEARBORN LIFE INSURANCE COMPANY | 348 | $215K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF ILLINOIS | 536 | $3.7M |
| Other(3 contracts, 3 carriers) | DEARBORN LIFE INSURANCE COMPANY | 348 | $252K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 536 | — |
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.
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.