| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BYRNE, BYRNE AND COMPANY3 Filed as: BYRNE BYRNE & CO | 120 S LASALLE STREET SUITE 1710 CHICAGO, IL 60603 | BLUECROSS BLUESHIELD OF ILLINOIS | $45K | $668 | $46K | 1.85% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ILLINOIS, INC | 233 S WACKER DRIVE SUITE 2000 CHICAGO, IL 60606 | BLUECROSS BLUESHIELD OF ILLINOIS | $39K | $9 | $39K | 1.60% |
| THE CHARTIS GROUP3 | 220 W KINZIE STREET CHICAGO, IL 60654 | BLUECROSS BLUESHIELD OF ILLINOIS | — | $11 | $11 | 0.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ILLINOIS INC | SUITE 2000 233 S WACKER DRIVE CHICAGO, IL 60606 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $28K | — | $28K | 8.84% |
| BYRNE, BYRNE AND COMPANY3 Filed as: BYRNE BYRNE & CO | 120 S LASALLE ST, STE 1710 CHICAGO, IL 60603 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $19K | $5K | $24K | 7.79% |
| AXA ASSISTANCE, USA5 Filed as: AXA ASSISTANCE USA | 122 S MICHIGAN AVE, STE 1100 CHICAGO, IL 60603 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $102 | $102 | 0.03% |
| BYRNE, BYRNE AND COMPANY3 Filed as: BYRNE BYRNE & CO. | 120 S LASALLE ST, STE 1710 CHICAGO, IL 60603 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $1K | $7K | 2.98% |
| BYRNE, BYRNE AND COMPANY3 Filed as: BYRNE, BYRNE & COMPANY | 120 S LASALLE ST STE 1710 CHICAGO, IL 60603 | VISION SERVICE PLAN | $866 | — | $866 | 2.64% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ILLINOIS, INC. | 35371 NETWORK PLACE CHICAGO, IL 60673 | VISION SERVICE PLAN | $604 | — | $604 | 1.84% |
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 | 322 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 9 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 340 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ILLINOIS | 595 | $2.5M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 848 | $226K |
| Vision | VISION SERVICE PLAN | 278 | $33K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 322 | $314K |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 322 | $314K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 322 | $314K |
| Prescription drug | BLUECROSS BLUESHIELD OF ILLINOIS | 595 | $2.5M |
| Other(2 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 322 | $314K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 848 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.