| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BOS INSURANCE AGENCY3 | 2600 STEVENSON DR. SPRINGFIELD, IL 62703 | BLUECROSS BLUESHIELD OF ILLINOIS | $28K | $2K | $30K | 1.39% |
| BOS INSURANCE AGENCY3 | 2600 STEVENSON DR. SPRINGFIELD, IL 62703 | DELTA DENTAL OF ILLINOIS | $17K | — | $17K | 7.55% |
| BOS INSURANCE AGENCY3 | 2600 STEVENSON DR. SPRINGFIELD, IL 62703 | METROPOLITAN LIFE INSURANCE COMPANY | $15K | — | $15K | 9.84% |
| BOS INSURANCE AGENCY3 | 2600 STEVENSON DR. SPRINGFIELD, IL 62703 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 9.75% |
| BOS INSURANCE AGENCY3 | 2600 STEVENSON DR. SPRINGFIELD, IL 62703 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 4.53% |
| BOS INSURANCE AGENCY3 | 2600 STEVENSON DR. SPRINGFIELD, IL 62703 | EYEMED | $2K | — | $2K | 7.03% |
| BOS INSURANCE AGENCY3 | 2600 STEVENSON DR. SPRINGFIELD, IL 62703 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 12.13% |
| BOS INSURANCE AGENCY3 | 2600 STEVENSON DR. SPRINGFIELD, IL 62703 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | — | $6K | 36.48% |
| BOS INSURANCE AGENCY3 | 2600 STEVENSON DR. SPRINGFIELD, IL 62703 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 16.52% |
| BOS INSURANCE AGENCY3 | 2600 STEVENSON DR. SPRINGFIELD, IL 62703 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $60 | — | $60 | 17.09% |
| BOS INSURANCE AGENCY3 | 2600 STEVENSON DR. SPRINGFIELD, IL 62703 | EYEMED | $22 | — | $22 | 7.36% |
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 | 305 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 308 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ILLINOIS | 371 | $2.1M |
| Dental | DELTA DENTAL OF ILLINOIS | 226 | $224K |
| Vision(2 contracts) | EYEMED | 374 | $23K |
| Life insurance(3 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 302 | $212K |
| Short-term disability(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 302 | $192K |
| Long-term disability(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 302 | $192K |
| Other(4 contracts, 2 carriers) | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 42 | $64K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 374 | — |
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.