| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DKM CONSULTANTS, INC.3 Filed as: DKM CONSULTANTS, INC | 924 W. 75TH. ST. SUITE 120-224 NAPERVILLE, IL 60565 | BLUE CROSS BLUE SHIELD OF ILLINOIS | $72K | — | $72K | 3.95% |
| ANTHONY MARCHESE5 | 924 W. 75TH. ST., SUITE 120-224 NAPERVILLE, IL 60565 | DELTA DENTAL | $9K | $7K | $16K | 8.98% |
| ANTHONY MARCHESE5 | 924 W. 75TH. ST., SUITE 120-224 NAPERVILLE, IL 60565 | CIGNA | $3K | — | $3K | 7.20% |
| ANTHONY MARCHESE5 | 924 W. 75TH. ST., SUITE 120-224 NAPERVILLE, IL 60565 | CIGNA | $4K | — | $4K | 10.00% |
| ANTHONY MARCHESE5 | 924 W. 75TH. ST., SUITE 120-224 NAPERVILLE, IL 60565 | CIGNA | $3K | — | $3K | 13.39% |
| ANTHONY MARCHESE5 | 924 W. 75TH. ST., SUITE 120-224 NAPERVILLE, IL 60565 | VSP | $972 | — | $972 | 5.98% |
| ANTHONY MARCHESE5 | 924 W. 75TH. ST., SUITE 120-224 NAPERVILLE, IL 60565 | CIGNA | $595 | — | $595 | 10.00% |
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 | 368 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 368 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF ILLINOIS | 368 | $1.8M |
| Dental | DELTA DENTAL | 185 | $175K |
| Vision | VSP | 368 | $16K |
| Life insurance(2 contracts) | CIGNA | 368 | $47K |
| Short-term disability | CIGNA | 368 | $43K |
| Long-term disability | CIGNA | 368 | $22K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 368 | — |
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.