| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 | — | BLUECROSS BLUESHIELD OF ILLINOIS | $127K | $4K | $130K | 2.16% |
| THE PROVANT GROUP LLC3 | — | BLUECROSS BLUESHIELD OF ILLINOIS | $127K | $2K | $129K | 2.14% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 505 NORTH BRAND BOULEVARD SUITE 600 GLENDALE, CA 91203 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | — | $4K | 3.50% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | METROPOLITAN LIFE INSURANCE COMPANY | — | $2K | $2K | 1.57% |
| THE PROVANT GROUP LLC3 Filed as: THE PROVANT GROUP | 8600 WEST BRYN MAWR AVENUE SUITE 970N CHICAGO, IL 60631 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $6K | — | $6K | 9.82% |
| THE PROVANT GROUP LLC3 Filed as: PROVANT GROUP LLC | — | DELTA DENTAL OF ILLINOIS | $24K | — | $24K | 43.49% |
| RIVER VIEW INC3 Filed as: RIVER POINT INSURANCE SER | 8600 WEST BRYN MAWR AVENUE SUITE 970N CHICAGO, IL 60631 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 2.38% |
| RIVER VIEW INC3 Filed as: RIVER POINT INSURANCE SER | 351 WEST HUBBARD STREET SUITE 708 CHICAGO, IL 60654 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 17.50% |
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 | 781 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 12 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 797 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ILLINOIS | 967 | $6.0M |
| Dental | DELTA DENTAL OF ILLINOIS | 656 | $55K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 632 | $61K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 213 | $112K |
| Short-term disability(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 221 | $125K |
| Long-term disability(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 210 | $67K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 213 | $112K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 967 | — |
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.