| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DKM CONSULTANTS, INC.3 | 924 W. 75TH ST., SUITE 120-224 NAPERVILLE, IL 60565 | BLUE CROSS BLUE SHIELD OF ILLINOIS | $69K | $0 | $69K | 3.98% |
| DKM CONSULTANTS, INC.5 | 924 W. 75TH ST., SUITE 120-224 NAPERVILLE, IL 60565 | DELTA DENTAL | $7K | $6K | $13K | 9.84% |
| DKM CONSULTANTS, INC.5 | 924 W. 75TH ST., SUITE 120-224 NAPERVILLE, IL 60565 | CIGNA | $3K | $0 | $3K | 7.36% |
| DKM CONSULTANTS, INC.5 | 924 W. 75TH ST., SUITE 120-224 NAPERVILLE, IL 60565 | CIGNA | $3K | $0 | $3K | 10.00% |
| DKM CONSULTANTS, INC.5 | 924 W. 75TH ST., SUITE 120-224 NAPERVILLE, IL 60565 | CIGNA | $3K | $0 | $3K | 13.16% |
| DKM CONSULTANTS, INC.5 | 924 W. 75TH ST., SUITE 120-224 NAPERVILLE, IL 60565 | VSP | $837 | $0 | $837 | 5.57% |
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 | 344 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 344 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF ILLINOIS | 344 | $1.7M |
| Dental | DELTA DENTAL | 344 | $135K |
| Vision | VSP | 344 | $15K |
| Life insurance(2 contracts) | CIGNA | 344 | $35K |
| Short-term disability | CIGNA | 344 | $40K |
| Long-term disability | CIGNA | 344 | $24K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 344 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.