| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DAVID DANZIG & ASSOCIATES3 Filed as: DAVID DANZIG & ASSOCIATES INC | — | BLUECROSS BLUESHIELD OF ILLINOIS | $23K | $1K | $24K | 4.39% |
| RESOURCE BROKERAGE LLC3 | — | BLUECROSS BLUESHIELD OF ILLINOIS | $7K | — | $7K | 1.23% |
| DAVID DANZIG & ASSOCIATES3 | 570 LAKE COOK ROAD SUITE 210 DEERFIELD, IL 60015 | HUMANADENTAL INSURANCE COMPANY | $2K | $1K | $3K | 10.40% |
| DAVID DANZIG & ASSOCIATES3 | 570 LAKE COOK ROAD SUITE 301 DEERFIELD, IL 60015 | DEARBORN LIFE INSURANCE COMPANY | $1K | — | $1K | 14.91% |
| D D & A INC DBA DAVID DANZIG & ASSO3 | 570 LAKE COOK ROAD SUITE 210 DEERFIELD, IL 60015 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | — | $1K | 15.00% |
| DAVID DANZIG & ASSOCIATES3 | 570 LAKE COOK ROAD SUITE 210 DEERFIELD, IL 60015 | HUMANA INSURANCE COMPANY | $408 | $201 | $609 | 12.71% |
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 | 66 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 74 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ILLINOIS | 68 | $555K |
| Dental | HUMANADENTAL INSURANCE COMPANY | 45 | $28K |
| Vision | HUMANA INSURANCE COMPANY | 31 | $5K |
| Life insurance(2 contracts, 2 carriers) | DEARBORN LIFE INSURANCE COMPANY | 66 | $14K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 13 | $8K |
| Other(2 contracts, 2 carriers) | DEARBORN LIFE INSURANCE COMPANY | 66 | $14K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 68 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.