| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| J D ROSS INSURANCE & FINANCIAL SERV | — | BLUE CROSS BLUE SHIELD OF ILLINOIS | $90K | — | $90K | 4.01% |
| DERJENN ENTERPRISES DBA JD ROSS & A3 Filed as: DERJENN ENTERPRISES D/B/A J D ROSS | 9 KENDALL AVE BARRY, IL 623122219 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | — | $5K | 2.76% |
| J.D. ROSS AND ASSOCIATES, INC. Filed as: JD ROSS AND ASSOCIATES LLC | 9 KENDALL AVENUE BARRY, IL 62312 | DEARBORN LIFE INSURANCE COMPANY | $17K | — | $17K | 11.35% |
| J.D. ROSS AND ASSOCIATES, INC. | 9 KENDALL AVE BARRY, IL 623122219 | VISION SERVICE PLAN | $1K | — | $1K | 4.48% |
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 | 220 | 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) | 220 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF ILLINOIS | 353 | $2.2M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 474 | $165K |
| Vision | VISION SERVICE PLAN | 197 | $28K |
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 250 | $150K |
| Short-term disability | DEARBORN LIFE INSURANCE COMPANY | 250 | $150K |
| Long-term disability | DEARBORN LIFE INSURANCE COMPANY | 250 | $150K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 474 | — |
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.