| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CHRISTENSEN KEY FINANCIAL INC3 | 1811 HIGH GROVE LN STE 275 NAPERVILLE, IL 605409123 | BLUECROSS BLUESHIELD OF ILLINOIS | $64K | $1K | $65K | 3.07% |
| KEY FINANCIAL GROUP, INC.3 | 1811 HIGH GROVE #275 NAPERVILLE, IL 60540 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $10K | — | $10K | 10.00% |
| KEY FINANCIAL GROUP, INC.3 | 1811 HIGH GROVE #275 NAPERVILLE, IL 60540 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $10K | — | $10K | 10.00% |
| ROESER, PHIL, CLARK3 Filed as: ROESER, PHIL C | 16480 73R AVE NORTH MAPLE GROVE, MN 55311 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 2.47% |
| J. KRUG & ASSOCIATES3 Filed as: J KRUG AND ASSOCIATES INC | 1350 W NORTHWEST HWY STE 300 MOUNT PROSPECT, IL 60056 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 1.65% |
| KEY FINANCIAL GROUP, INC.3 | 1811 HIGH GROVE LN STE 275 NAPERVILLE, IL 605409123 | VISION SERVICE PLAN | $1K | — | $1K | 4.91% |
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 | 409 | 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) | 410 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ILLINOIS | 409 | $2.1M |
| Vision | VISION SERVICE PLAN | 120 | $26K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 219 | $95K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 227 | $98K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 227 | $103K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 219 | $95K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 409 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.