| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 | — | BLUECROSS BLUESHIELD OF ILLINOIS | $202K | $6K | $207K | 2.55% |
| THE PROVANT GROUP LLC3 | — | BLUECROSS BLUESHIELD OF ILLINOIS | $121K | $2K | $123K | 1.52% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 500 NORTH BRAND BOULEVARD SUITE 100 GLENDALE, CA 91203 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $63 | $3K | 2.57% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 95287 CHICAGO, IL 60690 | METROPOLITAN LIFE INSURANCE COMPANY | — | $2K | $2K | 1.54% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 95287 CHICAGO, IL 60694 | METROPOLITAN LIFE INSURANCE COMPANY | — | $9 | $9 | 0.01% |
| THE PROVANT GROUP LLC3 Filed as: PROVANT GROUP LLC | — | DELTA DENTAL OF ILLINOIS | $26K | — | $26K | 42.03% |
| RIVER POINT INSURANCE SERVICES LLC3 Filed as: RIVER POINT INSURANCE SERVICES | 351 WEST HUBBARD STREET CHICAGO, IL 60654 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $10K | — | $10K | 16.11% |
| THE PROVANT GROUP LLC3 Filed as: THE PROVANT GROUP | 8600 WEST BRYN MAWR AVENUE SUITE 970N CHICAGO, IL 60631 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $5K | — | $5K | 10.00% |
| RIVER POINT INSURANCE SERVICES LLC3 Filed as: RIVER POINT INSURANCE SERVICES | 351 WEST HUBBARD STREET CHICAGO, IL 60654 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $7K | — | $7K | 16.09% |
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 | 746 | 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) | 746 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ILLINOIS | 1,045 | $8.1M |
| Dental | DELTA DENTAL OF ILLINOIS | 712 | $63K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 701 | $46K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 233 | $122K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 132 | $44K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 132 | $61K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 233 | $122K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,045 | — |
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.