| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROSE STREET ADVISORS LLC3 Filed as: ROSE STREET ADVISORS, LLC | 244 NORTH ROSE STREET KALAMAZOO, MI 490073887 | BLUECROSS BLUESHIELD OF ILLINOIS | $37K | — | $37K | 3.96% |
| BSP GROUP BENEFITS INC3 | 206 S JEFFERSON ST CHICAGO, IL 60661 | PRINCIPAL LIFE INSURANCE COMPANY | $1K | $952 | $2K | 5.02% |
| KRISTIN M AUFMANN3 | 637 N FRANKLIN AVE PALATINE, IL 60067 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | — | $2K | 4.69% |
| ROSE STREET ADVISORS LLC3 | 244 NORTH ROSE STREET KALAMAZOO, MI 490073887 | PRINCIPAL LIFE INSURANCE COMPANY | $482 | — | $482 | 1.02% |
| ROSE STREET ADVISORS LLC3 Filed as: ROSE STREET ADVISORS, LLC | 244 NORTH ROSE STREET KALAMAZOO, MI 490073887 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | — | $2K | 7.14% |
| BSP GROUP BENEFITS INC3 | 206 S JEFFERSON ST CHICAGO, IL 606615603 | PRINCIPAL LIFE INSURANCE COMPANY | $833 | $555 | $1K | 5.18% |
| DAILYFEATS INC.3 Filed as: DAILYFEATS INC | 101 TREMONT STREET FL 11 BOSTON, MA 021085004 | PRINCIPAL LIFE INSURANCE COMPANY | $137 | — | $137 | 0.51% |
| ROSE STREET ADVISORS LLC3 Filed as: ROSE STREET ADVISORS, LLC | 244 NORTH ROSE STREET KALAMAZOO, MI 490073887 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $662 | — | $662 | 14.91% |
| ROSE STREET ADVISORS LLC3 Filed as: ROSE STREET ADVISORS, LLC | 244 NORTH ROSE STREET KALAMAZOO, MI 490073887 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $227 | — | $227 | 14.86% |
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 | 230 | 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) | 230 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ILLINOIS | 195 | $944K |
| Dental(2 contracts) | PRINCIPAL LIFE INSURANCE COMPANY | 200 | $74K |
| Life insurance(2 contracts) | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 230 | $6K |
| Short-term disability(2 contracts) | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 230 | $6K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 230 | — |
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.