| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JEAN K HICKS3 | 361 BRIGHTON DR. WHEATON, IL 60189 | BLUECROSS BLUESHIELD OF ILLINOIS | $42K | — | $42K | 2.33% |
| MICHAEL A NADLER3 | 155 N. PFINGSTEN ROAD UNIT 305 DEERFIELD, IL 60015 | BLUECROSS BLUESHIELD OF ILLINOIS | $28K | — | $28K | 1.55% |
| JKH BENEFIT SOLUTIONS, LLC3 Filed as: JKH BENEFIT SOLUTIONS LLC | 361 BRIGHTON DRIVE WHEATON, IL 60189 | THE GUARDIAN LIFE INSURANCE COMPANY | $5K | — | $5K | 3.12% |
| MICHAEL A NADLER3 | 2075 WOODLAWN ROAD NORTHBROOK, IL 60062 | THE GUARDIAN LIFE INSURANCE COMPANY | $5K | — | $5K | 2.92% |
| INSMED INS AGENCY INC3 | 500 MAMARONECK AVE STE 408 HARRISON, NY 10528 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 5.17% |
| INSMED INS AGENCY INC3 | 500 MAMARONECK AVE STE 408 HARRISON, NY 10528 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | — | $5K | 8.96% |
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 | 162 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 169 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ILLINOIS | 164 | $1.8M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY | 162 | $171K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY | 162 | $171K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY | 162 | $171K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 121 | $59K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 121 | $51K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY | 162 | $171K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 164 | — |
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.