| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LASALLE BENEFITS LLC3 | 40 SKOKIE BLVD STE 240 NORTHBROOK, IL 60062 | BLUECROSS BLUESHIELD OF ILLNOIS | $40K | — | $40K | 3.91% |
| BENSMAN ASSOCIATES LTD3 Filed as: BENSMAN ASSOCIATES | 2333 WAUKEGAN ROAD SUITE 275 BANNOCKBURN, IL 60015 | BLUECROSS BLUESHIELD OF ILLNOIS | — | $870 | $870 | 0.09% |
| LASALLE BENEFITS LLC3 | 40 SKOKIE BLVD STE 240 NORTHBROOK, IL 60062 | DELTA DENTAL OF ILLNOIS | $9K | — | $9K | 9.99% |
| LASALLE BENEFITS LLC3 | 40 SKOKIE BLVD SUITE 240 NORTHBROOK, IL 60062 | UNION SECURITY INSURANCE COMPANY | $7K | — | $7K | 11.29% |
| BENSMAN ASSOCIATES LTD3 | 2333 WAUKEGAN ROAD SUTIE 275 BANNOCKBURN, IL 60015 | UNION SECURITY INSURANCE COMPANY | $559 | — | $559 | 0.94% |
| LASALLE BENEFITS LLC3 | 40 SKOKIE BLVD STE 240 NORTHBROOK, IL 60062 | UNION SECURITY INSURANCE COMPANY | $991 | — | $991 | 14.05% |
| BENSMAN ASSOCIATES LTD3 | 2333 WAUKEGAN ROAD SUITE 275 BANNOCKBURN, IL 60015 | UNION SECURITY INSURANCE COMPANY | $67 | — | $67 | 0.95% |
| LASALLE BENEFITS LLC3 | 40 SKOKIE BOULEVARD SUITE 240 NORTHBROOK, IL 60062 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 14.98% |
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 | 221 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 5 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 229 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ILLNOIS | 183 | $1.0M |
| Dental | DELTA DENTAL OF ILLNOIS | 137 | $86K |
| Vision | UNION SECURITY INSURANCE COMPANY | 218 | $59K |
| Life insurance(2 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF ILLNOIS | 221 | $1.0M |
| Short-term disability | UNION SECURITY INSURANCE COMPANY | 218 | $59K |
| Long-term disability | UNION SECURITY INSURANCE COMPANY | 218 | $59K |
| Other(3 contracts, 3 carriers) | BLUECROSS BLUESHIELD OF ILLNOIS | 221 | $1.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 221 | — |
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.