| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BLUESTONE ADVISORS LLC Filed as: BLUESTONE ADVISORS | 1401 BRANDING LANE SUITE 350 DOWNERS GROVE, IL 60515 | BLUECROSS BLUESHIELD OF ILLINOIS | $0 | — | $0 | 0.00% |
| BLUESTONE ADVISORS LLC3 Filed as: BLUESTONE ADVISORS | 1401 BRANDING LANE SUITE 350 DOWNERS GROVE, IL 60515 | DEARBORN NATIONAL | $27K | — | $27K | 23.39% |
| GIS BENEFITS INC3 | 107 CANDLELIGHT LANE MORRIS, IL 60450 | DEARBORN NATIONAL | $9K | — | $9K | 8.11% |
| BLUESTONE ADVISORS LLC3 Filed as: BLUESTONE ADVISORS | 1401 BRANDING LANE SUITE 350 DOWNERS ADVISORS, IL 60515 | DELTA DENTAL | $6K | — | $6K | 7.49% |
| BLUESTONE ADVISORS LLC3 | 1401 BRANDING LANE SUITE 350 DOWNERS GROVE, IL 60515 | VSP | $754 | — | $754 | 7.45% |
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 | 298 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Beneficiaries receiving benefits | 1 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 300 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ILLINOIS | 300 | $2.0M |
| Dental | DELTA DENTAL | 151 | $83K |
| Vision | VSP | 127 | $10K |
| Life insurance | DEARBORN NATIONAL | 265 | $114K |
| Short-term disability | DEARBORN NATIONAL | 265 | $114K |
| Long-term disability | DEARBORN NATIONAL | 265 | $114K |
| Stop-loss / reinsurancereinsurance | BLUECROSS BLUESHIELD OF ILLINOIS | 300 | $2.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 300 | — |
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.