| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE BJORK GROUP INC3 Filed as: THE BJORK GROUP, INC. | 1033 N. SKOKIE BLVD. SUITE 210 NORTHBROOK, IL 60062 | BLUE CROSS BLUE SHIELD OF ILLINOIS | $39K | $315 | $40K | 1.93% |
| PHILLIPS BROS. INS. AGENCY, INC.3 Filed as: PHILLIPS BROS. INSURANCE AGENCY | 2 N. LASALLE ST. SUITE 1606 CHICAGO, IL 606024032 | BLUE CROSS BLUE SHIELD OF ILLINOIS | $39K | — | $39K | 1.91% |
| PHILLIPS BROS. INS. AGENCY, INC.3 | 2 N. LASALLE ST. SUITE 1606 CHICAGO, IL 606024032 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 2.48% |
| THE BJORK GROUP INC3 Filed as: THE BJORK GROUP, INC. | 1033 SKOKIE BLVD. SUITE 300 NORTHBROOK, IL 60062 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $8K | $4K | $12K | 6.41% |
| PHILLIPS BROS. INS. AGENCY, INC.3 | 2 N. LASALLE ST. SUITE 1606 CHICAGO, IL 606024032 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $8K | — | $8K | 4.04% |
| NATIONAL BENEFIT CENTER3 Filed as: NATIONAL BENEFIT CENTER LLC | 1105 N. MARKET STREET SUITE 1300 WILMINGTON, DE 19801 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $304 | — | $304 | 0.16% |
| PHILLIPS BROS. INS. AGENCY, INC.3 Filed as: PHILLIPS BROS. AGENCY, LLC | 2 N. LASALLE ST. SUITE 1606 CHICAGO, IL 606024032 | FEDERAL INSURANCE COMPANY | $16K | $1K | $17K | 15.98% |
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 | 293 | 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) | 293 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF ILLINOIS | 293 | $2.1M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 151 | $187K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 151 | $187K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 151 | $187K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 159 | $273K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF ILLINOIS | 293 | $2.1M |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 151 | $292K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 293 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.