| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LEDGESTONE INSURANCE GROUP INC3 Filed as: LEDGESTONE INSURANCE GROUP, INC. | 410 N. MAIN ST. EAST PEORIA, IL 61611 | BLUECROSS BLUESHIELD OF ILLINOIS | $56K | — | $56K | 2.05% |
| BSG CONSULTING3 | 240 SW JEFFERSON AVE. SUITE 300 PEORIA, IL 61602 | BLUECROSS BLUESHIELD OF ILLINOIS | $51K | — | $51K | 1.88% |
| LEDGESTONE INSURANCE GROUP INC3 Filed as: LEDGESTONE INSURANCE GROUP, INC. | 410 N MAIN STREET EAST PEORIA, IL 61611 | RELIANCE MATRIX | $7K | — | $7K | 5.00% |
| BSG CONSULTING3 | 240 SW JEFFERSON AVENUE SUITE 300 PEORIA, IL 61602 | RELIANCE MATRIX | $7K | — | $7K | 5.00% |
| MGIS3 | 95 S STATE STREET, SUITE 650 SALT LAKE CITY, UT 841111630 | RELIANCE MATRIX | — | $180 | $180 | 0.13% |
| LEDGESTONE INSURANCE GROUP INC3 | 410 N MAIN STREET EAST PEORIA, IL 61611 | DEARBORN LIFE INSURANCE COMPANY | $971 | — | $971 | 6.33% |
| BRIAN GRUBER3 | 240 SW JEFFERSON AVE 300 PEORIA, IL 61602 | DEARBORN LIFE INSURANCE COMPANY | $127 | — | $127 | 0.83% |
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 | 186 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 189 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ILLINOIS | 286 | $2.7M |
| Dental | BLUECROSS BLUESHIELD OF ILLINOIS | 286 | $2.7M |
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 189 | $15K |
| Short-term disability | RELIANCE MATRIX | 187 | $134K |
| Other | DEARBORN LIFE INSURANCE COMPANY | 189 | $15K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 286 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.