| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NICOLE TOWNSEND VEDDER3 Filed as: NICOLE A PEARSON | 16931 JASMINE LANE ORLANDO HILLS, IL 60477 | BLUECROSS BLUESHIELD OF ILLINOIS | $83K | — | $83K | 2.48% |
| MICAH MESSER3 Filed as: MICAH M FRANKLIN | 7824 BRISTOL PARK DRIVE TINLEY PARK, IL 60477 | BLUECROSS BLUESHIELD OF ILLINOIS | $59K | $3 | $59K | 1.75% |
| MILHOUSE ENGINEERING & CONSTRUCTION3 | 333 SOUTH WABASH CHICAGO, IL 60604 | BLUECROSS BLUESHIELD OF ILLINOIS | — | $1 | $1 | 0.00% |
| NICOLE TOWNSEND VEDDER3 Filed as: NICOLE A PEARSON | 16931 JASMINE LANE ORLAND HILLS, IL 60487 | PRINCIPAL LIFE INSURANCE COMPANY | $13K | — | $13K | 6.61% |
| MICAH MESSER3 Filed as: MICAH M FRANKLIN | 7824 BRISTOL PARK DRIVE TINLEY PARK, IL 60477 | PRINCIPAL LIFE INSURANCE COMPANY | $12K | — | $12K | 6.20% |
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 | 262 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 263 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ILLINOIS | 483 | $3.4M |
| Dental | BLUECROSS BLUESHIELD OF ILLINOIS | 483 | $3.4M |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 299 | $201K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 299 | $201K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 299 | $201K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 299 | $201K |
| Other | PRINCIPAL LIFE INSURANCE COMPANY | 299 | $201K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 483 | — |
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.