| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AMERICAN WESTBROOK INS SERVICES LLC3 Filed as: AMERICAN WESTBROOK INS SVCS LLC | FOUR WESTBROOK CORPORATE CENTER SUITE 500 WESTCHESTER, IL 60154 | BLUECROSS BLUESHIELD OF ILLINOIS | $32K | $1K | $34K | 2.32% |
| ASSUREDPARTNERS3 | FOUR WESTBROOK CORPORATE CENTER SUITE 500 WESTCHESTER, IL 60154 | BLUECROSS BLUESHIELD OF ILLINOIS | $0 | $32K | $32K | 2.17% |
| ASSUREDPARTNERS3 | FOUR WESTBROOK CORPORATE CENTER SUITE 500 WESTCHESTER, IL 60154 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $20K | $7K | $27K | 17.57% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: INSENTIAL, INC. DBA SOURCE 1 BNFTS | 206 SOUTH JEFFERSON STREET SUITE 200 CHICAGO, IL 60661 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $0 | $8K | $8K | 5.01% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP | 811 MADISON AVENUE TOLEDO, OH 43604 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $3K | $0 | $3K | 1.93% |
| ASSUREDPARTNERS3 | FOUR WESTBROOK CORPORATE CENTER SUITE 500 WESTCHESTER, IL 60154 | VISION SERVICE PLAN | $1K | $0 | $1K | 8.72% |
| EMPYREAN INSURANCE SERVICES, INC.3 Filed as: EMPYREAN INSURANCE SERVICES | 3010 BRIARPARK DRIVE, SUITE 8000 HOUSTON, TX 77042 | VISION SERVICE PLAN | $775 | $0 | $775 | 6.10% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: INSENTIAL | 206 SOUTH JEFFERSON STREET SUITE 200 CHICAGO, IL 60661 | VISION SERVICE PLAN | $36 | $0 | $36 | 0.28% |
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 | 254 | 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) | 255 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ILLINOIS | 190 | $1.4M |
| Dental | BLUECROSS BLUESHIELD OF ILLINOIS | 190 | $1.4M |
| Vision | VISION SERVICE PLAN | 69 | $13K |
| Life insurance | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 254 | $152K |
| Short-term disability | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 254 | $152K |
| Long-term disability | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 254 | $152K |
| Prescription drug | BLUECROSS BLUESHIELD OF ILLINOIS | 190 | $1.4M |
| Other | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 254 | $152K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 254 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.