| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 | — | BLUECROSS BLUESHIELD OF ILLINOIS | $95K | $3K | $99K | 2.16% |
| THE PROVANT GROUP LLC3 | — | BLUECROSS BLUESHIELD OF ILLINOIS | $95K | $2K | $97K | 2.13% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 505 NORTH BRAND BOULEVARD SUITE 600 GLENDALE, CA 91203 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $54 | $4K | 3.58% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | METROPOLITAN LIFE INSURANCE COMPANY | — | $1K | $1K | 1.26% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 95287 CHICAGO, IL 60694 | METROPOLITAN LIFE INSURANCE COMPANY | — | $3 | $3 | 0.00% |
| THE PROVANT GROUP LLC3 Filed as: THE PROVANT GROUP | 8600 WEST BRYN MAWR AVENUE SUITE 970N CHICAGO, IL 60631 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $4K | — | $4K | 8.90% |
| THE PROVANT GROUP LLC3 Filed as: PROVANT GROUP LLC | — | DELTA DENTAL OF ILLINOIS | $20K | — | $20K | 44.89% |
| THE PROVANT GROUP LLC3 Filed as: THE PROVANT GROUP, LLC | — | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 15.09% |
| THE PROVANT GROUP LLC3 Filed as: THE PROVANT GROUP, LLC | — | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 14.62% |
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 | 118 | 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) | 118 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ILLINOIS | 856 | $4.6M |
| Dental | DELTA DENTAL OF ILLINOIS | 579 | $44K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 568 | $49K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 190 | $99K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 118 | $13K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 118 | $12K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 190 | $99K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 856 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.