| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RAY WEIDENAAR & CO3 | 7239 WEST LARAWAY ROAD FRANKFORT, IL 60423 | BLUECROSS BLUESHIELD OF ILLINOIS | $442K | $1 | $442K | 4.91% |
| RAY WEIDENAAR & CO3 Filed as: RAY WEIDENAAR & COMPANY | 7239 WEST LARAWAY ROAD FRANKFORT, IL 60423 | DEARBORN LIFE INSURANCE COMPANY | $35K | — | $35K | 5.10% |
| GIS BENEFITS INC3 | 107 CANDLELIGHT LANE MORRIS, IL 60450 | DEARBORN LIFE INSURANCE COMPANY | — | $2K | $2K | 0.34% |
| GROUP INSURANCE SERVICES INC3 Filed as: GROUP INSURANCE SERVICES, INC | 1607 NORTH AURORA ROAD #201 NAPERVILLE, IL 60563 | DEARBORN LIFE INSURANCE COMPANY | — | $755 | $755 | 0.11% |
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 | 1,547 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,551 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ILLINOIS | 1,201 | $9.0M |
| Dental(2 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF ILLINOIS | 1,427 | $9.7M |
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 1,427 | $688K |
| Short-term disability | DEARBORN LIFE INSURANCE COMPANY | 1,427 | $688K |
| Long-term disability | DEARBORN LIFE INSURANCE COMPANY | 1,427 | $688K |
| Other | DEARBORN LIFE INSURANCE COMPANY | 1,427 | $688K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,427 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.