| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE MILLER GROUP3 Filed as: MILLER SERVICES INC | 1515 S MERIDIAN ROAD ROCKFORD, IL 61102 | BLUE CROSS BLUE SHIELD OF ILLINOIS | $66K | — | $66K | 3.48% |
| M3 INSURANCE SOLUTIONS INC3 | 828 JOHN HOLEN DRIVE MADISON, WI 53713 | BLUE CROSS BLUE SHIELD OF ILLINOIS | $11K | — | $11K | 0.59% |
| M3 INSURANCE SOLUTIONS INC3 Filed as: M3 INSURANCE SOLUTIONS INC. | 6952 ROTE ROAD ROCKFORD, IL 61112 | DEARBORN LIFE INSURANCE COMPANY | $3K | — | $3K | 2.28% |
| THE MILLER GROUP3 Filed as: MILLER SERVICES INC | 1515 SOUTH MERIDIAN ROAD ROCKFORD, IL 61102 | DEARBORN LIFE INSURANCE COMPANY | $2K | — | $2K | 1.98% |
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 | 245 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 246 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF ILLINOIS | 295 | $1.9M |
| Other | DEARBORN LIFE INSURANCE COMPANY | 70 | $122K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 295 | — |
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.