| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DS&P INSURANCE SERVICES, INC.1 Filed as: DS & P INSURANCE SERVICES | 1900 E GOLF RD SUITE 650 SCHAUMBURG, IL 601735031 | BLUE CROSS BLUE SHIELD OF ILLINOIS | $86K | — | $86K | 3.61% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ILLINOIS INC | 233 SOUTH WACHER DROVE SUITE 2000 CHICAGO, IL 60606 | THE HARTFORD | $42K | — | $42K | 10.68% |
| DS&P INSURANCE SERVICES, INC. Filed as: DS & P INSURANCE SERVICES INC. | 1530 E. DUNDEE RD STE 200 PALATINE, IL 60074 | THE HARTFORD | $9K | — | $9K | 2.25% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INSURANCE SVCS OF CA | 18101 VON KARMAN AVE IRVINE, CA 92612 | THE HARTFORD | — | $6K | $6K | 1.63% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ILLINOIS | 233 S. WACKER DR STE 2000 CHICAGO, IL 606066400 | METROPOLITAN LIFE INSURNACE COMPANY | $5K | $3K | $9K | 4.23% |
| WILLIS TOWERS WATSON US LLC Filed as: WILLIS OF ILLINOIS INC | 35371 NETWORK PLACE CHICAGO, IL 60673 | VISION SERVICE PLAN | $992 | — | $992 | 5.41% |
| DS&P INSURANCE SERVICES, INC. Filed as: DS & P INSURANCE SERVICES INC. | 1900 E. GOLF ROAD SUITE 650 SCHAUMBURG, IL 601735031 | VISION SERVICE PLAN | $55 | — | $55 | 0.30% |
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 | 0 | 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) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF ILLINOIS | 492 | $2.4M |
| Dental | METROPOLITAN LIFE INSURNACE COMPANY | 537 | $202K |
| Vision | VISION SERVICE PLAN | 180 | $18K |
| Life insurance | THE HARTFORD | 237 | $390K |
| Short-term disability | THE HARTFORD | 237 | $390K |
| Long-term disability | THE HARTFORD | 237 | $390K |
| Other | THE HARTFORD | 237 | $390K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 537 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.