| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| A.M. INSURANCE GROUP, INC.3 Filed as: A.M. INSURANCE GROUP INC | 4N701 SCHOOL ROAD SAINT CHARLES, IL 60175 | BLUECROSS BLUESHIELD OF ILLINOIS | $68K | $1K | $69K | 2.05% |
| WELCH BROS INC.3 Filed as: WELCH BROTHERS INC | 1050 SAINT CHARLES STREET ELGIN, IL 60120 | BLUECROSS BLUESHIELD OF ILLINOIS | $0 | $6 | $6 | 0.00% |
| A.M. INSURANCE GROUP, INC.3 Filed as: A.M. INSURANCE GROUP INC | 4N701 SCHOOL ROAD SAINT CHARLES, IL 60175 | METROPOLITAN LIFE INSURANCE COMPANY | $31K | $0 | $31K | 10.10% |
| FLEXIBLE BENEFIT SERVICE CORP3 Filed as: FLEXIBLE BENEFIT SERVICE LLC | 8770 WEST BRYN MAWR AVENUE SUITE 1290W CHICAGO, IL 60631 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $22 | $4K | 1.21% |
| A.M. INSURANCE GROUP, INC.3 Filed as: A.M. INSURANCE GROUP INC | 4N701 SCHOOL ROAD SAINT CHARLES, IL 60175 | DEARBORN LIFE INSURANCE COMPANY | $15K | $0 | $15K | 20.02% |
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 | 200 | 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) | 201 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ILLINOIS | 499 | $3.4M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 430 | $307K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 430 | $307K |
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 214 | $74K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 430 | $307K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 430 | $307K |
| Prescription drug | BLUECROSS BLUESHIELD OF ILLINOIS | 499 | $3.4M |
| Other | DEARBORN LIFE INSURANCE COMPANY | 214 | $74K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 499 | — |
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.