| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BANK OF SPRINGFIELD3 | 2600 STEVENSON DR. SPRINGFIELD, IL 62703 | BLUECROSS BLUESHIELD OF ILLINOIS | $28K | — | $28K | 1.15% |
| BANK OF SPRINGFIELD3 | 2600 STEVENSON DR. SPRINGFIELD, IL 62703 | DELTA DENTAL OF ILLINOIS | $18K | — | $18K | 7.52% |
| BANK OF SPRINGFIELD3 | 2600 STEVENSON DR. SPRINGFIELD, IL 62703 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $10K | — | $10K | 6.46% |
| BANK OF SPRINGFIELD3 | 2600 STEVENSON DRIVE SPRINGFIELD, IL 62703 | UNUM LIFE INSURANCE COMPANY | $10K | — | $10K | 15.00% |
| BANK OF SPRINGFIELD3 | 2600 STEVENSON DR. SPRINGFIELD, IL 62703 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 5.37% |
| BANK OF SPRINGFIELD3 | 2600 STEVENSON DR. SPRINGFIELD, IL 62703 | EYEMED | $1K | — | $1K | 4.96% |
| BANK OF SPRINGFIELD3 | 2600 STEVENSON DR. SPRINGFIELD, IL 62703 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $888 | — | $888 | 12.99% |
| BANK OF SPRINGFIELD3 | 2600 STEVENSON DR. SPRINGFIELD, IL 62703 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $691 | $691 | 18.94% |
| BANK OF SPRINGFIELD3 | 2600 STEVENSON DR. SPRINGFIELD, IL 62703 | UNUM INSURANCE COMPANY | $496 | — | $496 | 15.01% |
| BANK OF SPRINGFIELD3 | 2600 STEVENSON DR. SPRINGFIELD, IL 62703 | UNUM INSURANCE COMPANY | $416 | — | $416 | 15.01% |
| BANK OF SPRINGFIELD3 | 2600 STEVENSON DRIVE SPRINGFIELD, IL 62703 | UNUM INSURANCE COMPANY | $240 | — | $240 | 15.04% |
| BANK OF SPRINGFIELD3 | 2600 STEVENSON DR. SPRINGFIELD, IL 62703 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $97 | $97 | 20.29% |
| BANK OF SPRINGFIELD3 | 2600 STEVENSON DR. SPRINGFIELD, IL 62703 | EYEMED | $14 | — | $14 | 5.09% |
| BANK OF SPRINGFIELD3 | 2600 STEVENSON DR. SPRINGFIELD, IL 62703 | EYEMED | $11 | — | $11 | 5.16% |
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 | 307 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 309 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ILLINOIS | 382 | $2.5M |
| Dental | DELTA DENTAL OF ILLINOIS | 233 | $246K |
| Vision(3 contracts) | EYEMED | 403 | $25K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 301 | $148K |
| Short-term disability(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 301 | $153K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 301 | $148K |
| Other(6 contracts, 4 carriers) | UNUM LIFE INSURANCE COMPANY | 163 | $114K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 403 | — |
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.