| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFITS SOLUTIONS GROUP LLC3 | 2400 S. WOLF ROAD SUITE 100 WESTCHESTER, IL 60154 | HUMANA INSURANCE COMPANY | $193K | $10K | $203K | 5.61% |
| BENEFIT SOLUTIONS INC3 Filed as: BENEFIT SOLUTIONS GROUP LLC | 2400 S. WOLF ROAD SUITE 100 WESTCHESTER, IL 60154 | HUMANA HEALTH PLAN, INC. | $165K | $10K | $175K | 6.98% |
| BENEFITS SOLUTIONS GROUP LLC3 | 2400 S. WOLF ROAD SUITE 100 WESTCHESTER, IL 60154 | HUMANA HEALTH PLAN, INC. | $176K | — | $176K | 8.70% |
| BENEFITS SOLUTIONS GROUP LLC3 | 2400 WOLF ROAD SUITE 100 WESTCHESTER, IL 60154 | HUMANA DENTAL INSURANCE COMPANY | $18K | — | $18K | 1.83% |
| BENEFITS SOLUTIONS GROUP LLC3 | 2400 S WOLF ROAD SUITE 100 WESTCHESTER, IL 60154 | HUMANA INSURANCE COMPANY | $39K | $2K | $40K | 5.84% |
| BENEFITS SOLUTIONS GROUP LLC3 | 2400 S. WOLF ROAD SUITE 100 WESTCHESTER, IL 60154 | COMPBENEFITS INSURANCE COMPANY | $3K | — | $3K | 2.60% |
| BENEFITS SOLUTIONS GROUP LLC3 | 2400 WOLF ROAD SUITE 100 WESTCHESTER, IL 60154 | KANAWHA INSURANCE COMPANY | $9K | — | $9K | 7.45% |
| BENEFITS SOLUTIONS GROUP LLC3 | 2400 WOLF ROAD SUITE 100 WESTCHESTER, IL 60154 | COMPBENEFITS DENTAL, INC. | $1K | — | $1K | 1.83% |
| BENEFITS SOLUTIONS GROUP LLC3 | 2400 WOLF ROAD SUITE 100 WESTCHESTER, IL 60154 | HUMANA DENTAL INSURANCE COMPANY | $18 | — | $18 | 1.98% |
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 | 1,222 | 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) | 1,222 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 2 carriers) | HUMANA INSURANCE COMPANY | 367 | $8.8M |
| Dental(3 contracts, 2 carriers) | HUMANA DENTAL INSURANCE COMPANY | 1,222 | $1.0M |
| Vision | COMPBENEFITS INSURANCE COMPANY | 1,136 | $129K |
| Life insurance | KANAWHA INSURANCE COMPANY | 7 | $117K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,222 | — |
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.