| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ZEMAR INVESTMENTS, INC.3 | 9120 SOUTH RICHMOND AVENUE EVERGREEN PARK, IL 60805 | BLUECROSS BLUESHIELD OF ILLINOIS | $13K | — | $13K | 4.15% |
| HAGERTY CONSULTING, INC.3 | 1618 ORRINGTON AVESTE, SUITE 201 EVANSTON, IL 60201 | BLUECROSS BLUESHIELD OF ILLINOIS | $0 | $1 | $1 | 0.00% |
| GREGORY L. ECK3 | 8S 721 YACKLEY AVENUE NAPERVILLE, IL 60565 | BLUECROSS BLUESHIELD OF ILLINOIS | $0 | $1 | $1 | 0.00% |
| JAMIESON AND ASSOCIATES LTD3 Filed as: JAMIESON AND ASSOCIATES, LTD | 1 NORTHFILED PLAZA, SUITE 430 NORTHFIELD, IL 60093 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | $661 | $9K | 10.75% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC. | 225 WIRELESS BOULEVARD, 2ND FLOOR HAUPPAUGE, NY 11788 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $4K | $4K | 5.00% |
| GREGORY L. ECK3 | 9120 SOUTH RICHMOND AVENUE EVERGREEN PARK, IL 60805 | AMERITAS LIFE INSURANCE CORPORATION | $2K | $0 | $2K | 10.00% |
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 | 372 | 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) | 372 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ILLINOIS | 477 | $307K |
| Dental | AMERITAS LIFE INSURANCE CORPORATION | 638 | $18K |
| Vision | AMERITAS LIFE INSURANCE CORPORATION | 638 | $18K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 372 | $88K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 372 | $88K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 372 | $88K |
| Prescription drug | BLUECROSS BLUESHIELD OF ILLINOIS | 477 | $307K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 372 | $88K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 638 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.