| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 181 EAST 5600 SOUTH SALT LAKE CITY, UT 84017 | BLUECROSS BLUESHIELD OF ILLINOIS | $53K | $3K | $56K | 2.13% |
| DAVID DANZIG & ASSOCIATES3 Filed as: DAVID DANZIG AND ASSOCIATES | 570 LAKE COOK ROAD, SUITE 210 DEERFIELD, IL 60015 | BLUECROSS BLUESHIELD OF ILLINOIS | $26K | $1K | $27K | 1.03% |
| DAVID DANZIG & ASSOCIATES3 Filed as: DAVID DANZIG AND ASSOCIATES | 570 LAKE COOK ROAD, SUITE 210 DEERFIELD, IL 60015 | DEARBORN LIFE INSURANCE COMPANY | $7K | $2K | $9K | 4.89% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | DEARBORN LIFE INSURANCE COMPANY | $8K | $0 | $8K | 4.20% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE, 21ST FLOOR ITASCA, IL 60143 | HUMANADENTAL INSURANCE COMPANY | $3K | $0 | $3K | 1.96% |
| DAVID DANZIG & ASSOCIATES3 Filed as: DAVID DANZIG AND ASSOCIATES | 570 LAKE COOK ROAD, SUITE 210 DEERFIELD, IL 60015 | HUMANADENTAL INSURANCE COMPANY | $2K | $0 | $2K | 1.23% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE, 21ST FLOOR ITASCA, IL 60143 | HUMANA INSURANCE COMPANY | $2K | $0 | $2K | 5.83% |
| DAVID DANZIG & ASSOCIATES3 Filed as: DAVID DANZIG AND ASSOCIATES | 570 LAKE COOK ROAD, SUITE 210 DEERFIELD, IL 60015 | HUMANA INSURANCE COMPANY | $1K | $0 | $1K | 4.12% |
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 | 326 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 3 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 336 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ILLINOIS | 405 | $2.6M |
| Dental | HUMANADENTAL INSURANCE COMPANY | 247 | $146K |
| Vision | HUMANA INSURANCE COMPANY | 210 | $26K |
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 338 | $191K |
| Short-term disability | DEARBORN LIFE INSURANCE COMPANY | 338 | $191K |
| Long-term disability | DEARBORN LIFE INSURANCE COMPANY | 338 | $191K |
| Prescription drug | BLUECROSS BLUESHIELD OF ILLINOIS | 405 | $2.6M |
| Other | DEARBORN LIFE INSURANCE COMPANY | 338 | $191K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 405 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.