| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DKM CONSULTANTS, INC.3 Filed as: DKM CONSULTANTS INC | 924 W 75TH ST SUITE 120 NAPERVILLE, IL 60565 | BLUE CROSS BLUE SHIELD OF ILLINOIS | $71K | $0 | $71K | 3.50% |
| DKM CONSULTANTS, INC.3 Filed as: DKM CONSULTANTS INC | 924 W 75TH ST SUITE 120 NAPERVILLE, IL 60565 | DELTA DENTAL OF ILLINOIS | $7K | $0 | $7K | 5.00% |
| THE BOON INSURANCE AGENCY3 Filed as: BOON INSURANCE AGENCY INC | 924 W 75TH ST SUITE 120 NAPERVILLE, IL 60565 | DELTA DENTAL OF ILLINOIS | $0 | $6K | $6K | 4.00% |
| DKM CONSULTANTS, INC.3 Filed as: DKM CONSULTANTS INC | 924 W 75TH ST SUITE 120 NAPERVILLE, IL 60565 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $0 | $3K | 7.20% |
| DKM CONSULTANTS, INC.3 Filed as: DKM CONSULTANTS INC | 924 W 75TH ST SUITE 120 NAPERVILLE, IL 60565 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $0 | $4K | 10.00% |
| DKM CONSULTANTS, INC.3 Filed as: DKM CONSULTANTS INC | 924 W 75TH ST SUITE 120 NAPERVILLE, IL 60565 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $0 | $3K | 13.39% |
| DKM CONSULTANTS, INC.3 Filed as: DKM CONSULTANTS INC | 924 W 75TH ST SUITE 120 NAPERVILLE, IL 60565 | VISION SERVICE PLAN | $969 | $0 | $969 | 6.03% |
| DKM CONSULTANTS, INC.3 Filed as: DKM CONSULTANTS INC | 924 W 75TH ST SUITE 120 NAPERVILLE, IL 60565 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $595 | $0 | $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 | 269 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 278 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF ILLINOIS | 361 | $2.0M |
| Dental | DELTA DENTAL OF ILLINOIS | 178 | $144K |
| Vision | VISION SERVICE PLAN | 140 | $16K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 254 | $41K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 254 | $43K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 254 | $22K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF ILLINOIS | 361 | $2.0M |
| Other(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 269 | $47K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 361 | — |
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.