| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ESSER HAYES INSURANCE GROUP3 Filed as: ESSER HAYES INSURANCE GROUP INC | 1811 HIGH GROVE LANE NAPERVILLE, IL 60540 | BLUECROSS BLUESHIELD OF ILLINOIS | $111K | $2K | $112K | 3.33% |
| HUNTINGTON INSURANCE INC3 | 221 SOUTH CHURCH STREET BOWLING GREEN, OH 43402 | BLUECROSS BLUESHIELD OF ILLINOIS | $6K | — | $6K | 0.19% |
| ESSER HAYES INSURANCE GROUP3 | 1811 HIGH GROVE LN #139 NAPERVILLE, IL 60567 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | — | $5K | 3.32% |
| HUNTINGTON INSURANCE INC3 | 37 WEST BROAD STREET 7TH FL COLUMBUS, OH 43215 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 1.70% |
| ESSER HAYES INSURANCE GROUP3 | 1811 HIGH GROVE LN #139 NAPERVILLE, IL 60567 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $11K | — | $11K | 9.11% |
| HUNTINGTON INSURANCE INC3 | 37 WEST BROAD STREET 7TH FL COLUMBUS, OH 43215 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 1.72% |
| ESSER HAYES INSURANCE GROUP3 | 1811 HIGH GROVE LN #139 NAPERVILLE, IL 60567 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 3.00% |
| HUNTINGTON INSURANCE INC3 | 37 WEST BROAD STREET 7TH FL COLUMBUS, OH 43215 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $248 | — | $248 | 0.26% |
| ESSER HAYES INSURANCE GROUP3 | 1811 HIGH GROVE LN #139 NAPERVILLE, IL 60567 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | — | $7K | 9.67% |
| HUNTINGTON INSURANCE INC3 | 37 WEST BROAD STREET 7TH FL COLUMBUS, OH 43215 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 1.72% |
| ESSER HAYES INSURANCE GROUP3 | 1811 HIGH GROVE LANE NAPEVILLE, IL 60540 | EYEMED | $2K | — | $2K | 5.11% |
| KEY FINANCIAL GROUP, INC.3 | 1811 HIGH GROVE LN STE 275 NAPERVILLE, IL 605409123 | EYEMED | $803 | — | $803 | 2.30% |
| HUNTINGTON INSURANCE - MILLERSBURG3 Filed as: HUNTINGTON INSURANCE-WHEATON, IL | 221 SOUTH CHURCH STREET BOWLING GREEN, OH 43402 | EYEMED | $305 | — | $305 | 0.87% |
| ESSER HAYES INSURANCE GROUP3 | PO BOX 2830 NAPERVILLE, IL 60567 | EYEMED | $296 | — | $296 | 0.85% |
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 | 285 | 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) | 285 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ILLINOIS | 517 | $3.4M |
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 224 | $157K |
| Vision | EYEMED | 412 | $35K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 285 | $97K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 285 | $74K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 285 | $124K |
| Other | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 285 | $97K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 517 | — |
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.