| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | 333 WEST WACKER DRIVE, SUITE 1200 CHICAGO, IL 60606 | BLUECROSS BLUESHIELD OF ILLINOIS | $32K | $0 | $32K | 2.16% |
| GLOBAL BENEFITS INC3 Filed as: GLOBAL BENEFITS, INC. | UNKNOWN ELK GROVE VILLAGE, IL 60007 | BLUECROSS BLUESHIELD OF ILLINOIS | $26K | $0 | $26K | 1.75% |
| GLOBAL BENEFITS INC3 Filed as: GLOBAL BENEFITS, INC. | 570 LAKE COOK ROAD, SUITE 106 DEERFIELD, IL 60015 | UNITEDHEALTHCARE INSURANCE COMPANY | $9K | $0 | $9K | 8.18% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | 333 WEST WACKER DRIVE, SUITE 1200 CHICAGO, IL 60606 | UNITEDHEALTHCARE INSURANCE COMPANY | $6K | $0 | $6K | 4.94% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | 15233 VENTURA BOULEVARD, SUITE 1020 SHERMAN OAKS, CA 91403 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $5K | $0 | $5K | 5.81% |
| GLOBAL BENEFITS INC3 Filed as: GLOBAL BENEFITS, INC. | 570 LAKE COOK ROAD, SUITE 106 DEERFIELD, IL 60015 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | $0 | $4K | 4.19% |
| H E INSURANCE INC3 Filed as: H. E. INSURANCE, INC. | UNKNOWN ELK GROVE VILLAGE, IL 60007 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $335 | $0 | $335 | 0.37% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | PO BOX 970069 BOSTON, MA 02297 | VISION SERVICE PLAN | $559 | $0 | $559 | 5.20% |
| GLOBAL BENEFITS INC3 Filed as: GLOBAL BENEFITS, INC. | 570 LAKE COOK ROAD, SUITE 106 DEERFIELD, IL 60015 | VISION SERVICE PLAN | $454 | $0 | $454 | 4.22% |
| EMPLOYEE NAVIGATOR, LLC3 | 7970 OLD GEORGETOWN ROAD SUITE 300 BETHESDA, MD 20814 | VISION SERVICE PLAN | $27 | $0 | $27 | 0.25% |
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 | 133 | 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) | 133 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ILLINOIS | 247 | $1.5M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 92 | $91K |
| Vision | VISION SERVICE PLAN | 88 | $11K |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 135 | $112K |
| Short-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 135 | $112K |
| Long-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 135 | $112K |
| Prescription drug | BLUECROSS BLUESHIELD OF ILLINOIS | 247 | $1.5M |
| Other | UNITEDHEALTHCARE INSURANCE COMPANY | 135 | $112K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 247 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.