| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 555 SOUTH PERRYVILLE ROAD ROCKFORD, IL 61108 | BLUECROSS BLUESHIELD OF ILLINOIS | $14K | — | $14K | 2.16% |
| WILLIAMS-MANNY INC3 Filed as: WILLIAMS - MANNY INC | 555 SOUTH PERRYVILLE ROAD ROCKFORD, IL 61108 | BLUECROSS BLUESHIELD OF ILLINOIS | $11K | — | $11K | 1.69% |
| ASSURANCE AGENCY LTD3 | 111 NORTH CANAL STREET CHICAGO, IL 60606 | UNITEDHEALTHCARE INSURANCE COMPANY | $10K | — | $10K | 3.41% |
| ASSURANCE AGENCY LTD3 | 1750 EAST GOLF ROAD SCHAUMBURG, IL 60173 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $2K | $2K | 0.82% |
| ASSURANCE AGENCY LTD3 | 1750 EAST GOLF ROAD SCHAUMBURG, IL 60173 | COMPANION LIFE INSURANCE COMPANY | $15K | — | $15K | 10.00% |
| ASSURANCE AGENCY LTD3 Filed as: ASSURANCE AGENCY, LTD. | 1750 EAST GOLF ROAD SUITE 1100 SCHAUMBURG, IL 60173 | VISION SERVICE PLAN | $2K | — | $2K | 9.68% |
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 | 348 | 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) | 348 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | BLUECROSS BLUESHIELD OF ILLINOIS | 343 | $1.1M |
| Dental | BLUECROSS BLUESHIELD OF ILLINOIS | 343 | $662K |
| Vision | VISION SERVICE PLAN | 175 | $19K |
| Other | COMPANION LIFE INSURANCE COMPANY | 134 | $153K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 343 | — |
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.