| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | P.O. BOX 3009 ARLINGTON HEIGHTS, IL 60006 | BLUECROSS BLUESHIELD OF ILLINOIS | $70K | $6K | $76K | 3.64% |
| LEDGESTONE INSURANCE GROUP INC3 | 410 N MAIN STREET EAST PEORIA, IL 61611 | BLUECROSS BLUESHIELD OF ILLINOIS | $15K | — | $15K | 0.70% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 2850 GOLF RD, 5TH FLOOR ROLLING MEADOWS, IL 60008 | SUN LIFE ASSURANCE COMPANY OF CANADA | $8K | $3K | $11K | 11.80% |
| LEDGESTONE INSURANCE GROUP INC3 Filed as: LEDGESTONE ASSOCIATES LLC | 410 N MAIN ST EAST PEORIA, IL 61611 | SUN LIFE ASSURANCE COMPANY OF CANADA | $796 | — | $796 | 0.84% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | P.O. BOX 3009 ARLINGTON HEIGHTS, IL 60006 | DEARBORN LIFE INSURANCE COMPANY | $2K | $2K | $4K | 22.97% |
| LEDGESTONE INSURANCE GROUP INC3 | 410 N MAIN STREET EAST PEORIA, IL 61611 | DEARBORN LIFE INSURANCE COMPANY | $250 | — | $250 | 1.63% |
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 | 189 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | 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 | 252 | $2.1M |
| Dental | BLUECROSS BLUESHIELD OF ILLINOIS | 252 | $2.1M |
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 187 | $15K |
| Short-term disability(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 187 | $110K |
| Other | DEARBORN LIFE INSURANCE COMPANY | 187 | $15K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 252 | — |
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.