| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KOLCRAFT ENTERPRISES, INC3 | 1100 W MONROE CHICAGO, IL 60607 | BLUECROSS BLUESHIELD OF ILLINOIS | — | $3 | $3 | 0.00% |
| MESIROW INSURANCE SERVICES INC3 | — | DELTA DENTAL OF ILLINOIS | $2K | — | $2K | 4.01% |
| BLUESTONE ADVISORS LLC3 | — | DELTA DENTAL OF ILLINOIS | $2K | — | $2K | 3.47% |
| MILLENIUM BENEFITS3 | 799 ROOSEVELT RD 6 107 GLEN ELLYN, IL 60137 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $2K | $866 | $2K | 5.66% |
| MILLENIUM BENEFITS3 | 799 ROOSEVELT RD 6 107 GLEN ELLYN, IL 60137 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $795 | $378 | $1K | 5.57% |
| MILLENIUM BENEFITS3 | 799 ROOSEVELT RD 6 107 GLEN ELLYN, IL 60137 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $558 | $295 | $853 | 5.62% |
| BLUESTONE ADVISORS LLC3 | 377 E BUTTERFIELD RD STE 240 LOMBARD, IL 60148 | VISION SERVICE PLAN | $500 | — | $500 | 5.07% |
| MESIROW INSURANCE SERVICES INC3 Filed as: MESIROW INSURANCE SERVICES, INC | 353 N CLARK ST STE 1100 CHICAGO, IL 60654 | VISION SERVICE PLAN | $244 | — | $244 | 2.47% |
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 | 212 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 214 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ILLINOIS | 245 | $2.2M |
| Dental | DELTA DENTAL OF ILLINOIS | 125 | $61K |
| Vision | VISION SERVICE PLAN | 116 | $10K |
| Life insurance | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 212 | $43K |
| Short-term disability | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 81 | $15K |
| Long-term disability | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 96 | $21K |
| Other | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 212 | $43K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 245 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
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.