| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 | 25 NW POINT BOULEVARD, SUITE 625 ELK GROVE, IL 60007 | BLUECROSS BLUESHIELD OF ILLINOIS | $43K | $0 | $43K | 3.99% |
| LOCKTON COMPANIES, LLC3 | 25 NW POINT BOULEVARD, SUITE 625 ELK GIVE VILLAGE, IL 60007 | BLUECROSS BLUESHIELD OF ILLINOIS | $0 | $2K | $2K | 0.18% |
| ASSUREDPARTNERS3 | 25 NW POINT BOULEVARD, SUITE 625 ELK GROVE, IL 60007 | KAISER FOUNDATION HEALTH PLAN, INC. | $14K | $0 | $14K | 6.03% |
| ASSUREDPARTNERS3 | 4350 WEAVER PARKWAY WARRENVILLE, IL 60555 | PRINCIPAL LIFE INSURANCE COMPANY | $25K | $0 | $25K | 15.88% |
| ASSUREDPARTNERS3 | 25 NW POINT BOULEVARD, SUITE 625 ELK GROVE VILLAGE, IL 60007 | PRINCIPAL LIFE INSURANCE COMPANY | $0 | $3K | $3K | 1.71% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 10 NORTH PARK DRIVE, SUITE 200 HUNT VALLEY, MD 21030 | PRINCIPAL LIFE INSURANCE COMPANY | — | $2K | $2K | 1.16% |
| ASSUREDPARTNERS3 | 4350 WEAVER PARKWAY WARRENVILLE, IL 60555 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $108 | $4K | 9.74% |
| LOCKTON COMPANIES, LLC3 | 500 WEST MONROE STREET, SUITE 3400 CHICAGO, IL 60661 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $140 | $2K | 5.44% |
| SECURE BENEFIT ADMINISTRATORS LLC3 Filed as: SECURE BENEFIT ADMINISTRATORS, LLC | 2413 WEST ALGONQUIN ROAD, UNIT 239 ALGONQUIN, IL 60102 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $1K | $1K | 3.23% |
| LOCKTON COMPANIES, LLC3 | PO BOX 843844 KANSAS CITY, MO 64184 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $35 | $35 | 0.08% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | PO BOX 843844 KANSAS CITY, MO 64184 | METROPOLITAN LIFE INSURANCE COMPANY | — | $32 | $32 | 0.08% |
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DALLAS, TX 75312 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $2 | $2 | 0.00% |
| ASSUREDPARTNERS3 | 4350 WEAVER PARKWAY WARRENVILLE, IL 60555 | METLIFE LEGAL PLANS, INC. | $746 | $18 | $764 | 9.65% |
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 | 172 | 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) | 172 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF ILLINOIS | 166 | $1.3M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 264 | $161K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 264 | $161K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 264 | $161K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 264 | $161K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 264 | $161K |
| Prescription drug(2 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF ILLINOIS | 166 | $1.3M |
| Other(3 contracts, 3 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 264 | $210K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 264 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.