| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFITS SOLUTIONS GROUP LLC3 | 2400 WOLF ROAD STE 100 WESTCHESTER, IL 60154 | BLUE CROSS BLUE SHIELD OF ILLINOIS | $916K | $0 | $916K | 5.05% |
| BENEFITS SOLUTIONS GROUP LLC3 | 2400 WOLF ROAD STE 100 WESTCHESTER, IL 60154 | GUARDIAN | $348K | $43K | $391K | 13.25% |
| THOMPSON RISK II, LLC3 | 2575 NORTHBROOKE PLAZA DR UNIT 204 NAPLES, FL 34119 | GUARDIAN | $73K | $0 | $73K | 2.49% |
| PHRI LLC3 | 35 PARKWOOD DR STE 200 HOPKINTON, MA 01748 | GUARDIAN | $15K | $0 | $15K | 0.51% |
| BENEFITS SOLUTIONS GROUP LLC3 | 2400 WOLF ROAD SUITE 100 WESTCHESTER, IL 60154 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $246K | $34K | $281K | 19.31% |
| THOMPSON RISK II, LLC3 Filed as: THOMPSON RISK II LLC | 2575 NORTHBROOKE PLAZA DR UNIT 204 NAPLES, FL 34119 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $34K | $0 | $34K | 2.31% |
| PHRI LLC3 | 35 PARKWOOD DRIVE SUITE 200 HOPKINTON, MA 01748 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $10K | $0 | $10K | 0.69% |
| BENEFITS SOLUTIONS GROUP LLC3 | — | BLUE CROSS BLUE SHIELD OF TEXAS | $3K | $0 | $3K | 3.30% |
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 | 13,485 | 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) | 13,485 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF ILLINOIS | 2,500 | $18.2M |
| Dental(2 contracts, 2 carriers) | GUARDIAN | 6,801 | $4.4M |
| Vision | GUARDIAN | 6,801 | $2.9M |
| Life insurance | GUARDIAN | 6,801 | $2.9M |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 4,130 | $1.5M |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 4,130 | $1.5M |
| Other(2 contracts, 2 carriers) | GUARDIAN | 6,801 | $4.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 6,801 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.