| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSURANCE AGENCY LTD3 Filed as: ASSURANCE AGENCY LTD. | 20 N. MARTINGALE RD., STE. 100 ONE CENTURY CENTRE SCHAUMBURG, IL 60173 | BLUECROSS BLUESHIELD OF ILLINOIS | $72K | $3K | $75K | 1.70% |
| GCG FINANCIAL LLC3 | THREE PARKWAY NORTH SUITE 500 DEERFIELD, IL 60015 | BLUECROSS BLUESHIELD OF ILLINOIS | $69K | — | $69K | 1.56% |
| ASSURANCE AGENCY LTD3 Filed as: ASSURANCE AGENCY LTD. | 20 N. MARTINGALE RD., STE. 100 SCHAUMBURG, IL 60173 | DELTA DENTAL OF ILLINOIS | $13K | — | $13K | 6.43% |
| GCG FINANCIAL LLC3 | 3 PARKWAY N BLVD STE 500 DEERFIELD, IL 60015 | DELTA DENTAL OF ILLINOIS | $9K | — | $9K | 4.48% |
| ASSURANCE AGENCY LTD3 Filed as: ASSURANCE AGENCY | 20 N. MARTINGALE RD., STE 100 SCHAUMBURG, IL 60173 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $20K | $5K | $24K | 14.30% |
| GCG FINANCIAL LLC3 | 3 PKWY N 500 DEERFIELD, IL 60015 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | — | $6K | 3.46% |
| ASSURANCE AGENCY LTD3 Filed as: ASSURANCE AGENCY LTD. | 20 N. MARTINGALE RD., STE. 100 SCHAUMBURG, IL 60173 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $10K | $2K | $12K | 14.30% |
| GCG FINANCIAL LLC3 | 3 PKWY N 500 DEERFIELD, IL 60015 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 3.46% |
| MARSH & MCLENNAN AGENCY LLC3 | 2300 RENAISSANCE BLVD KING OF PRUSSIA, PA 19406 | DEARBORN LIFE INSURANCE COMPANY | $6K | — | $6K | 8.66% |
| GCG FINANCIAL LLC3 Filed as: GCG FINANCIAL, INC | THREE PARKWAY NORTH STE 500 DEERFIELD, IL 60015 | DEARBORN LIFE INSURANCE COMPANY | $5K | — | $5K | 7.81% |
| ASSURANCE AGENCY LTD3 Filed as: ASSURANCE AGENCY LTD. | 1750 EAST GOLF ROAD SCHAUMBURG, IL 60173 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6K | — | $6K | 20.15% |
| ANNA MARINEZ3 | 303 W. ERIE SUITE 400 CHICAGO, IL 60654 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | — | $3K | 12.07% |
| ROCKWELL & ASSOCIATES3 | 303 WEST ERIE ST. SUITE 400 CHICAGO, IL 60654 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 4.71% |
| NASCA & ASSOCIATES3 | 303 WEST ERIE STREET SUITE 400 CHICAGO, IL 60654 | CONTINENTAL AMERICAN INSURANCE COMPANY | $911 | — | $911 | 3.27% |
| GCG FINANCIAL LLC3 Filed as: GCG FINANCIAL INC.-DEERFIELD, IL | 3 PARKWAY N BLVD STE 500 DEERFIELD, IL 60015 | EYEMED VISION CARE | $1K | — | $1K | 4.14% |
| ASSURANCE AGENCY LTD3 Filed as: ASSURANCE AGENCY- SCHAUMBURG, IL | 20 N MARTINGALE RD STE 100 SCHAUMBURG, IL 60173 | EYEMED VISION CARE | $2K | — | $2K | 376.53% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BENEFIT RESOURCE CLAIMS PROCESSING | Contract Administrator; Claims processing Service code 12 | 245 KENNETH DRIVE ROCHESTER, NY 14623 | $16K |
| CIGNA BEHAVIORAL HEALTH, INC. EIN 41-1648670 CLAIMS PROCESSING | Participant communication; Direct payment from the plan; Contract Administrator; Claims processing Service code 12 | — | $7K |
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 | 309 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 4 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 320 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ILLINOIS | 496 | $4.4M |
| Dental | DELTA DENTAL OF ILLINOIS | 263 | $197K |
| Vision(2 contracts) | EYEMED VISION CARE | 412 | $27K |
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 309 | $67K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 333 | $171K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 335 | $87K |
| Other(2 contracts, 2 carriers) | DEARBORN LIFE INSURANCE COMPANY | 309 | $95K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 496 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.