| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSOCIATED AGENCIES, INC3 Filed as: ASSOCIATED AGENCIES INC. | 1701 GOLF RD 3 7TH FLOOR ROLLING MEADOWS, IL 60008 | BLUECROSS BLUESHIELD OF ILLINOIS | $47K | $3K | $49K | 3.49% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVIES INC. | 200 SOUTH WACKER DRIVE SUITE 300 CHICAGO, IL 60606 | BLUECROSS BLUESHIELD OF ILLINOIS | $17K | — | $17K | 1.21% |
| ASSOCIATED AGENCIES, INC3 Filed as: ASSOCIATED AGENCIES INC | 1701 GOLF RD STE 700 THREE CONT TOWERS ROLLING MEADOWS, IL 60008 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 7.01% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICE | 200 SOUTH WACKER DRIVE SUITE 3030 CHICAGO, IL 60606 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $209 | — | $209 | 0.53% |
| ASSOCIATED AGENCIES, INC3 Filed as: ASSOCIATED AGENCIES INC | 1701 GOLF RD STE 700 THREE CONT TOWERS ROLLING MEADOWS, IL 60008 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 12.38% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICE | 200 SOUTH WACKER DRIVE SUITE 3030 CHICAGO, IL 60606 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $232 | — | $232 | 1.06% |
| ASSOCIATED AGENCIES, INC3 Filed as: ASSOCIATED AGENCIES INC | 1701 GOLF RD 3 7TH FLOOR ROLLING MEADOWS, IL 60008 | DEARBORN LIFE INSURANCE COMPANY | $969 | — | $969 | 7.35% |
| GIS BENEFITS INC3 | 107 CANDLELIGHT LN MORRIS, IL 60450 | DEARBORN LIFE INSURANCE COMPANY | $601 | — | $601 | 4.56% |
| EUGENE P SMITH3 | 353 N CLARK CHICAGO, IL 60654 | DEARBORN LIFE INSURANCE COMPANY | $351 | — | $351 | 2.66% |
| ASSOCIATED AGENCIES, INC3 Filed as: ASSOCIATED AGENCIES INC | 1701 GOLF RD STE 700 THREE CONT TOWERS ROLLING MEADOWS, IL 60008 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 22.40% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES | 200 SOUTH WACKER DRIVE SUITE 3030 CHICAGO, IL 60606 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $80 | — | $80 | 1.58% |
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 | 110 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 29 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 139 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ILLINOIS | 229 | $1.4M |
| Dental | BLUECROSS BLUESHIELD OF ILLINOIS | 229 | $1.4M |
| Vision | DEARBORN LIFE INSURANCE COMPANY | 94 | $13K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 117 | $39K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 117 | $22K |
| Prescription drug | BLUECROSS BLUESHIELD OF ILLINOIS | 229 | $1.4M |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 117 | $5K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 229 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.