| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: JMB INSURANCE AGENCY INC | 900 NORTH MICHIGAN AVENUE SUITE 1500 CHICAGO, IL 60611 | BLUE CROSS BLUE SHIELD OF ILLINOIS | $65K | $653 | $66K | 3.95% |
| JAMIESON AND ASSOCIATES LTD3 | 1 NORTHFIELD PLAZA, SUITE 430 NORTHFIELD, IL 60093 | STANDARD INSURANCE COMPANY | $33K | $4K | $38K | 15.49% |
| ASSUREDPARTNERS3 Filed as: JMB INSURANCE AGENCY INC | 900 NORTH MICHIGAN AVENUE SUITE 1500 CHICAGO, IL 60611 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $2K | $4K | 6.40% |
| ASSUREDPARTNERS3 Filed as: JMB INSURANCE AGENCY INC | 900 NORTH MICHIGAN AVENUE SUITE 1500 CHICAGO, IL 60611 | VISION SERVICE PLAN | $803 | $0 | $803 | 7.44% |
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 | 132 | 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) | 132 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF ILLINOIS | 218 | $1.7M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 311 | $68K |
| Vision | VISION SERVICE PLAN | 99 | $11K |
| Life insurance | STANDARD INSURANCE COMPANY | 106 | $243K |
| Short-term disability | STANDARD INSURANCE COMPANY | 106 | $243K |
| Long-term disability | STANDARD INSURANCE COMPANY | 106 | $243K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF ILLINOIS | 218 | $1.7M |
| Other | STANDARD INSURANCE COMPANY | 106 | $243K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 311 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.