| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FIRST INSURANCE GROUP LLC3 | 11000 E US RT 34, SUITE 1 PLANO, IL 60545 | BLUECROSS BLUESHIELD OF ILLINOIS | $30K | — | $30K | 2.01% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES IL INC | 500 W MADISON STREET SUITE 2760 CHICAGO, IL 60661 | BLUECROSS BLUESHIELD OF ILLINOIS | $18K | $1K | $19K | 1.33% |
| WATCHTOWER TECHNOLOGIES INC3 | 227 WEST MONROE ST STE 5200 CHICAGO, IL 60600 | STANDARD INSURANCE COMPANY | $0 | $5K | $5K | 6.56% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES IL INC | 500 W MADISON ST FL 32 CHICAGO, IL 60661 | STANDARD INSURANCE COMPANY | $4K | $0 | $4K | 5.79% |
| FIRST INSURANCE GROUP LLC3 | 11949 Q ST OMAHA, NE 681450279 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 2.51% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES IL INC | 500 W MADISON ST FL 32 CHICAGO, IL 60661 | STANDARD INSURANCE COMPANY | $2K | $0 | $2K | 12.13% |
| WATCHTOWER TECHNOLOGIES INC3 | 227 WEST MONROE ST STE 5200 CHICAGO, IL 60606 | STANDARD INSURANCE COMPANY | $0 | $1K | $1K | 8.91% |
| FIRST INSURANCE GROUP LLC3 | 11949 Q ST OMAHA, NE 681450279 | STANDARD INSURANCE COMPANY | $166 | $0 | $166 | 1.17% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES IL INC | 500 W MADISON ST FL 32 CHICAGO, IL 60661 | STANDARD INSURANCE COMPANY | $799 | — | $799 | 6.20% |
| WATCHTOWER TECHNOLOGIES INC3 | 227 WEST MONROE ST STE 5200 CHICAGO, IL 60606 | STANDARD INSURANCE COMPANY | $0 | $737 | $737 | 5.72% |
| FIRST INSURANCE GROUP LLC3 | 11949 Q ST OMAHA, NE 681450279 | STANDARD INSURANCE COMPANY | $324 | $0 | $324 | 2.52% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES IL INC | 500 W MADISON ST FL 32 CHICAGO, IL 60661 | STANDARD INSURANCE COMPANY | $2K | $0 | $2K | 25.17% |
| WATCHTOWER TECHNOLOGIES INC3 | 227 WEST MONROE ST STE 5200 CHICAGO, IL 60606 | STANDARD INSURANCE COMPANY | $0 | $102 | $102 | 1.16% |
| FIRST INSURANCE GROUP LLC3 | 11949 Q ST OMAHA, NE 681450279 | STANDARD INSURANCE COMPANY | $5 | — | $5 | 0.06% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES IL INC | 500 W MADISON ST FL 32 CHICAGO, IL 60661 | STANDARD INSURANCE COMPANY | $738 | $0 | $738 | 12.43% |
| WATCHTOWER TECHNOLOGIES INC3 | 227 WEST MONROE ST STE 5200 CHICAGO, IL 60606 | STANDARD INSURANCE COMPANY | $0 | $591 | $591 | 9.96% |
| FIRST INSURANCE GROUP LLC3 | 11949 Q ST OMAHA, NE 681450279 | STANDARD INSURANCE COMPANY | $78 | $0 | $78 | 1.31% |
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 | 123 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 126 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ILLINOIS | 201 | $1.5M |
| Dental | STANDARD INSURANCE COMPANY | 101 | $75K |
| Vision | STANDARD INSURANCE COMPANY | 194 | $13K |
| Life insurance | STANDARD INSURANCE COMPANY | 114 | $14K |
| Long-term disability | STANDARD INSURANCE COMPANY | 18 | $6K |
| Other | STANDARD INSURANCE COMPANY | 114 | $14K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 201 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.