| 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 | $58K | — | $58K | 3.99% |
| ROSE STREET ADVISORS LLC3 Filed as: ROSE STREET ADVISORS, LLC | 244 NORTH ROSE STREET KALAMAZOO, MI 490073887 | PRINCIPAL LIFE INSURANCE COMPANY | $3K | $1K | $4K | 5.71% |
| BSP GROUP BENEFITS INC3 | 8304 MANGO AVE MORTON GROVE, IL 600533465 | PRINCIPAL LIFE INSURANCE COMPANY | $355 | $237 | $592 | 0.80% |
| DAILYFEATS INC.3 Filed as: DAILYFEATS INC | 101 TREMONT STREET FL 11 BOSTON, MA 021085004 | PRINCIPAL LIFE INSURANCE COMPANY | $355 | — | $355 | 0.48% |
| ROSE STREET ADVISORS LLC3 Filed as: ROSE STREET ADVISORS, LLC | 244 NORTH ROSE STREET KALAMAZOO, MI 490073887 | VISION SERVICE PLAN | $889 | — | $889 | 6.35% |
| DAILYFEATS INC.3 Filed as: DAILYFEATS INC | PO BOX 219641 KANSAS CITY, MO 64121 | VISION SERVICE PLAN | $416 | — | $416 | 2.97% |
| EMPLOYEE NAVIGATOR, LLC | 7979 OLD GEORGETOWN RD STE 300 BETHESDA, MD 208142554 | VISION SERVICE PLAN | $70 | — | $70 | 0.50% |
| ROSE STREET ADVISORS LLC3 Filed as: ROSE STREET ADVISORS, LLC | 244 NORTH ROSE STREET KALAMAZOO, MI 490073887 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $693 | — | $693 | 15.29% |
| ROSE STREET ADVISORS LLC3 Filed as: ROSE STREET ADVISORS, LLC | 244 NORTH ROSE STREET KALAMAZOO, MI 490073887 | DEARBORN LIFE INSURANCE COMPANY | $267 | — | $267 | 15.76% |
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 | 161 | 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) | 161 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ILLINOIS | 219 | $1.5M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 232 | $74K |
| Vision | VISION SERVICE PLAN | 119 | $14K |
| Life insurance(2 contracts, 2 carriers) | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 208 | $6K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 232 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.