| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LASALLE BENEFITS LLC3 | — | BLUECROSS BLUESHIELD OF ILLNOIS | $83K | $1K | $85K | 3.93% |
| LASALLE BENEFITS LLC3 | 40 SKOKIE BOULEVARD SUITE 240 NORTHBROOK, IL 60062 | BLUECROSS BLUESHIELD OF ILLNOIS | — | $1 | $1 | 0.00% |
| INSURANCE APPLICATIONS GROUP3 | — | BCS INSURANCE COMPANY | $33K | — | $33K | 15.03% |
| PLANNED ADMINISTRATORS, INC.3 | — | BCS INSURANCE COMPANY | — | $32K | $32K | 14.50% |
| LASALLE BENEFITS LLC3 | — | BCS INSURANCE COMPANY | $11K | — | $11K | 5.00% |
| LASALLE BENEFITS LLC3 | — | DELTA DENTAL OF ILLNOIS | $15K | — | $15K | 10.86% |
| LASALLE BENEFITS LLC3 | 200 N LA SALLE STREET SUITE 2500 CHICAGO, IL 60601 | SUN LIFE ASSURANCE COMPANY OF CANADA | $11K | — | $11K | 10.06% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HIGHWAY # 2-125 AUSTIN, TX 78746 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $253 | $253 | 0.23% |
| INSURANCE APPLICATIONS GROUP3 | — | 4 EVER LIFE INSURANCE COMPANY | $2K | — | $2K | 18.00% |
| PLANNED ADMINISTRATORS, INC.3 | — | 4 EVER LIFE INSURANCE COMPANY | — | $2K | $2K | 14.50% |
| LASALLE BENEFITS LLC3 | — | 4 EVER LIFE INSURANCE COMPANY | $627 | — | $627 | 5.00% |
| LASALLE BENEFITS LLC3 | 40 SKOKIE BOULEVARD SUITE 240 NORTHBROOK, IL 60062 | DEARBORN LIFE INSURANCE COMPANY | $1K | — | $1K | 14.97% |
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 | 507 | 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) | 507 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF ILLNOIS | 328 | $2.4M |
| Dental(2 contracts, 2 carriers) | BCS INSURANCE COMPANY | 240 | $363K |
| Vision(2 contracts, 2 carriers) | BCS INSURANCE COMPANY | 333 | $330K |
| Life insurance(2 contracts, 2 carriers) | 4 EVER LIFE INSURANCE COMPANY | 316 | $21K |
| Short-term disability(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 333 | $121K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 333 | $108K |
| Other(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 333 | $116K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 333 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.