| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JAMES UNLAND & COMPANY, INC3 Filed as: JAMES UNLAND & COMPANY | 2211 BROADWAY PEKIN, IL 61554 | BLUE CROSS BLUE SHIELD OF ILLINOIS | $60K | $1K | $61K | 3.87% |
| GROUP MARKETING SERVICES INC3 Filed as: GROUP MARKETING SERVICES | 2201 WOODLAWN RD LINCOLN, IL 626569645 | BLUE CROSS BLUE SHIELD OF ILLINOIS | $9K | — | $9K | 0.59% |
| JAMES UNLAND & COMPANY, INC3 Filed as: JAMES UNLAND & COMPANY INC | 2211 BROADWAY PEKIN, IL 61554 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $12K | — | $12K | 8.04% |
| GROUP MARKETING SERVICES INC3 Filed as: GROUP MARKETING SERVICES INC. | 2201 WOODLAWN RD LINCOLN, IL 626569645 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | — | $7K | $7K | 4.72% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS, LLC | 4565 PAYSPHERE CIR CHICAGO, IL 60674 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $2K | $215 | $2K | 1.55% |
| THE UNLAND COMPANIES3 | 2211 BROADWAY PEKIN, IL 61554 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $2K | — | $2K | 13.98% |
| GROUP MARKETING SERVICES INC3 | PO BOX 370 LINCOLN, IL 62656 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $429 | — | $429 | 2.80% |
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 | 133 | 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) | 133 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF ILLINOIS | 204 | $1.6M |
| Dental | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 133 | $152K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 212 | $15K |
| Life insurance | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 133 | $152K |
| Short-term disability | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 133 | $152K |
| Other | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 133 | $152K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 212 | — |
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.
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.