| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BANK OF SPRINGFIELD3 | 2600 STEVENSON DRIVE SPRINGFIELD, IL 62703 | BLUECROSS BLUESHIELD OF ILLINOIS | $28K | — | $28K | 0.92% |
| BANK OF SPRINGFIELD3 | 2600 STEVENSON DRIVE SPRINGFIELD, IL 62703 | DELTA DENTAL OF ILLINOIS | — | $20K | $20K | 7.77% |
| BANK OF SPRINGFIELD3 | 2600 STEVENSON DRIVE SPRINGFIELD, IL 62703 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $10K | $10K | 7.37% |
| BANK OF SPRINGFIELD3 | 2600 STEVENSON DRIVE SPRINGFIELD, IL 62703 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $11K | $11K | 15.00% |
| BANK OF SPRINGFIELD3 | 2600 STEVENSON DRIVE SPRINGFIELD, IL 62703 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $1K | $1K | 3.62% |
| BANK OF SPRINGFIELD3 | 2600 STEVENSON DRIVE SPRINGFIELD, IL 62703 | EYEMED | — | $1K | $1K | 4.95% |
| BANK OF SPRINGFIELD3 | 2600 STEVENSON DRIVE SPRINGFIELD, IL 62703 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $2K | $2K | 15.01% |
| BANK OF SPRINGFIELD3 | 2600 STEVENSON DRIVE SPRINGFIELD, IL 62703 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 15.00% |
| BANK OF SPRINGFIELD3 | 2600 STEVENSON DRIVE SPRINGFIELD, IL 62703 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $968 | $968 | 14.99% |
| BANK OF SPRINGFIELD3 | 2600 STEVENSON DRIVE SPRINGFIELD, IL 62703 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $107 | $107 | 15.97% |
| BANK OF SPRINGFIELD3 | 2600 STEVENSON DRIVE SPRINGFIELD, IL 62703 | EYEMED | $11 | — | $11 | 5.16% |
| BANK OF SPRINGFIELD3 | 2600 STEVENSON DRIVE SPRINGFIELD, IL 62703 | EYEMED | — | $10 | $10 | 5.05% |
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 | 318 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 320 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ILLINOIS | 382 | $3.1M |
| Dental | DELTA DENTAL OF ILLINOIS | 253 | $256K |
| Vision(3 contracts) | EYEMED | 441 | $28K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 317 | $135K |
| Short-term disability(3 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 317 | $156K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 317 | $135K |
| Other(5 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 163 | $119K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 441 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.