| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NORTH ILLINOIS | 220 NORTH LARKIN AVENUE JOLIET, IL 60435 | BLUE CROSS BLUE SHIELD | $342K | $6K | $348K | 2.33% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NORTH ILLINOIS | 220 NORTH LARKING AVENUE JOLIET, IL 60435 | HMO ILLINOIS | $225K | $3K | $229K | 3.32% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NORTH ILLINOIS | 220 NORTH LARKIN AVENUE JOLIET, IL 60435 | METROPOLITAN LIFE INSURANCE COMPANY | $106K | $17K | $123K | 10.03% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NORTH ILLINIONS | 220 NORTH LARKING AVENUE JOLIET, IL 60435 | METROPOLITAN LIFE INSURANCE COMPANY | $55K | $5K | $60K | 17.53% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NORTH ILLINOIS | 220 NORTH LARKIN AVENUE JOLIET, IL 60435 | VISION SERVICE PLAN | $24K | — | $24K | 9.16% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF NORTH ILLINOIS | 220 N LARKIN AVENUE JOLIET, IL 60435 | AFLAC | $29K | — | $29K | 11.62% |
| JEFFREY LYNN LAMBERT3 | 7 CENTER STREET HINSDALE, IL 60521 | AFLAC | $3K | $433 | $3K | 1.42% |
| 42 OTHER PERSONS3 | 220 N LARKIN AVENUE PEORIA, IL 60435 | AFLAC | $3K | $218 | $3K | 1.33% |
| STEPHEN KELLS3 | 514 MAYFAIR COURT GERMANTOWN HILLS, IL 61548 | AFLAC | $3K | $43 | $3K | 1.27% |
| JOHN F SCULLY3 | 3500 BANKVIEW DRIVE JOLIET, IL 60431 | AFLAC | $1K | — | $1K | 0.51% |
| JAMES CAPPEL3 | 926 CARRIE AVENUE ROCHELLE, IL 61068 | AFLAC | $765 | — | $765 | 0.31% |
| JEREMY M SKEETERS3 | 9830 W JJ RANCH ROAD PEORIA, AZ 85383 | AFLAC | $728 | — | $728 | 0.30% |
| KELLEY STRAUGHAN3 | 1005 HIDDEN BRANCHES TRAIL CANTON, GA 30115 | AFLAC | $562 | — | $562 | 0.23% |
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 | 1,874 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 12 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,887 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 2,804 | $1.2M |
| Vision | VISION SERVICE PLAN | 1,073 | $261K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 1,529 | $341K |
| Prescription drug | BLUE CROSS BLUE SHIELD | 1,923 | $15.0M |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,529 | $586K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,804 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.