| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| J J DOORHY BENEFITS GROUP3 | — | BLUECROSS BLUESHIELD OF ILLINOIS | $53K | — | $53K | 2.89% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, LLC | — | BLUECROSS BLUESHIELD OF ILLINOIS | $19K | $3K | $22K | 1.22% |
| DIGITAL INSURANCE LLC3 | — | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | — | $2K | $2K | 1.94% |
| FINANCIAL SERVICE MANAGERS, INC.3 Filed as: FINANCIAL SERVICE MANAGERS, IN | 101 BURR RIDGE PARKWAY SUITE 206 WILLOWBROOK, IL 60527 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 1.30% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 NORTH KIRKWOOD ROAD SUITE 300 KIRKWOOD, MO 63122 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 1.19% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $471 | — | $471 | 0.40% |
| J J DOORHY BENEFITS GROUP3 Filed as: J J DOORHY BENEFITSGROUP | 101 BURR RIDGE PARKWAY SUITE 206 BURR RIDGE, IL 60527 | DEARBORN LIFE INSURANCE COMPANY | $5K | — | $5K | 6.60% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | DEARBORN LIFE INSURANCE COMPANY | $4K | — | $4K | 4.27% |
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 | 131 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 6 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 141 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ILLINOIS | 263 | $1.8M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 111 | $117K |
| Vision | DEARBORN LIFE INSURANCE COMPANY | 131 | $83K |
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 131 | $83K |
| Other | DEARBORN LIFE INSURANCE COMPANY | 131 | $83K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 263 | — |
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.