| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DSP INSURANCE SERVICES, INC.3 Filed as: DSP INSURANCE SERVICES INC. | 1900 E GOLF ROAD-STE 650 SCHAUMBURG, IL 60173 | BLUECROSS BLUESHIELD OF ILLINOIS | $48K | — | $48K | 2.82% |
| ACRISURE LLC3 | 55 SHUMAN BLVD, STE 900 NAPERVILLE, IL 60563 | BLUECROSS BLUESHIELD OF ILLINOIS | $18K | — | $18K | 1.07% |
| DSP INSURANCE SERVICES, INC.3 Filed as: DSP INSURANCE SERVICES INC. | 1900 E GOLF ROAD-STE 650 SCHAUMBURG, IL 60173 | DELTA DENTAL OF ILLINOIS | $5K | — | $5K | 4.61% |
| ACRISURE LLC3 Filed as: ACRISURE LC DBA PRESIDIO | 55 SHUMAN BLVD STE 900 NAPERVILLE, IL 60563 | DELTA DENTAL OF ILLINOIS | $3K | — | $3K | 2.29% |
| DSP INSURANCE SERVICES, INC.3 Filed as: DSP INSURANCE SERVICES INC. | 1900 E GOLF ROAD-STE 650 SCHAUMBURG, IL 60173 | DEARBORN LIFE INSURANCE COMPANY | $10K | — | $10K | 8.76% |
| ACRISURE LLC3 | P.O. BOX 1788 GRAND RAPIDS, MI 49501 | DEARBORN LIFE INSURANCE COMPANY | $4K | — | $4K | 3.82% |
| DSP INSURANCE SERVICES, INC.3 | 1900 E GOLF ROAD, STE 650 SCHAUMBURG, IL 60173 | VISION SERVICE PLAN | $626 | — | $626 | 5.53% |
| ACRISURE LLC3 | 55 SHUMAN BLVD STE 900 NAPERVILLE, IL 60563 | VISION SERVICE PLAN | $381 | — | $381 | 3.36% |
| EMPLOYEE NAVIGATOR, LLC3 | 7979 OLD GEORGETOWN RD STE 300 BETHESDA, MD 20814 | VISION SERVICE PLAN | $57 | — | $57 | 0.50% |
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 | 192 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| 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 | 171 | $1.7M |
| Dental | DELTA DENTAL OF ILLINOIS | 138 | $116K |
| Vision | VISION SERVICE PLAN | 124 | $11K |
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 212 | $115K |
| Short-term disability | DEARBORN LIFE INSURANCE COMPANY | 212 | $115K |
| Long-term disability | DEARBORN LIFE INSURANCE COMPANY | 212 | $115K |
| Other | DEARBORN LIFE INSURANCE COMPANY | 212 | $115K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 212 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.