| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACRISURE LLC3 | 55 SHUMAN BLVD, STE 900 NAPERVILLE, IL 60563 | BLUECROSS BLUESHIELD OF ILLINOIS | $63K | $3K | $66K | 4.08% |
| ACRISURE LLC3 Filed as: ACRISURE LC DBA PRESIDIO | 55 SHUMAN BLVD STE 900 NAPERVILLE, IL 60563 | DELTA DENTAL OF ILLINOIS | $8K | — | $8K | 7.47% |
| ACRISURE LLC3 | P.O. BOX 1788 GRAND RAPIDS, MI 49501 | DEARBORN LIFE INSURANCE COMPANY | $13K | — | $13K | 12.30% |
| ACRISURE LLC3 | 55 SHUMAN BLVD STE 900 NAPERVILLE, IL 60563 | VISION SERVICE PLAN | $749 | — | $749 | 8.12% |
| EMPLOYEE NAVIGATOR, LLC3 | 7979 OLD GEORGETOWN RD STE 300 BETHESDA, MD 20814 | VISION SERVICE PLAN | $23 | — | $23 | 0.25% |
| ACRISURE LLC3 | 55 SHUMAN BLVD, STE 900 NAPERVILLE, IL 60563 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $300 | — | $300 | 7.67% |
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 | 193 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 193 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ILLINOIS | 193 | $1.6M |
| Dental | DELTA DENTAL OF ILLINOIS | 129 | $104K |
| Vision | VISION SERVICE PLAN | 107 | $9K |
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 194 | $102K |
| Short-term disability | DEARBORN LIFE INSURANCE COMPANY | 194 | $102K |
| Long-term disability | DEARBORN LIFE INSURANCE COMPANY | 194 | $102K |
| Other(2 contracts, 2 carriers) | DEARBORN LIFE INSURANCE COMPANY | 194 | $106K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 194 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.