| 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 | $47K | $465 | $47K | 1.92% |
| 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 | $47K | — | $47K | 1.90% |
| PHILLIPS BROS. INS. AGENCY, INC.3 | 2 N. LASALLE ST. SUITE 1606 CHICAGO, IL 606024032 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 2.43% |
| 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 | $7K | $3K | $10K | 5.96% |
| PHILLIPS BROS. INS. AGENCY, INC.3 | 2 N. LASALLE ST. SUITE 1606 CHICAGO, IL 606024032 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 4.16% |
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 | 291 | 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) | 291 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF ILLINOIS | 291 | $2.5M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 153 | $163K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 153 | $163K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 153 | $163K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 154 | $284K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF ILLINOIS | 291 | $2.5M |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 153 | $163K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 291 | — |
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.