| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JR KATZ INC3 | 5 REVERE DRIVE SUITE 130 NORTHBROOK, IL 60062 | BLUECROSS BLUESHIELD OF ILLINOIS | $11K | — | $11K | 0.08% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES IL INC | 500 WEST MADISON SUITE 2760 CHICAGO, IL 60661 | GUARDIAN | $7K | — | $7K | 4.56% |
| THE PLEXUS GROUPE LLC3 | 21805 FIELD PARKWAY SUITE 300 DEER PARK, IL 60010 | GUARDIAN | -$64 | — | -$64 | -0.04% |
| GREG A GOULD3 | 8105 GINGKO WAY DEXTER, MI 48130 | AFLAC | $4K | — | $4K | 72.32% |
| DARREN EDWARD GALGANO3 | 4701 MIDLOTHIAN TURNPIKE CRESTWOOD, IL 60445 | AFLAC | $73 | — | $73 | 1.47% |
| ADAM H MICHAELS3 Filed as: ADAM H MICHAELS & ASSOCIATES LTD | 12121 WILSHIRE BOULEVARD SUITE 1225 LOS ANGELES, CA 90025 | AFLAC | $37 | — | $37 | 0.75% |
| JOSEPH A NASCA3 | 28081 W MAPLE AVENUE BARRINGTON, IL 60010 | AFLAC | $2 | — | $2 | 0.04% |
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 | 1,929 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 16 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,945 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ILLINOIS | 3,285 | $13.4M |
| Dental | GUARDIAN | 1,109 | $162K |
| Vision | GUARDIAN | 1,109 | $162K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 294 | $206K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 296 | $105K |
| Prescription drug | BLUECROSS BLUESHIELD OF ILLINOIS | 3,285 | $13.4M |
| Other(4 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 294 | $263K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,285 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.