| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GREGORY L. ECK3 | 8S 721 YACKLEY AVENUE NAPERVILLE, IL 60565 | BLUECROSS BLUESHIELD OF ILLINOIS | $158K | $2 | $158K | 4.02% |
| JAMIESON AND ASSOCIATES LTD3 Filed as: JAMIESON AND ASSOCIATES, LTD | 1 NORTHFIELD PLAZA, SUITE 430 NORTHFIELD, IL 60093 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $35K | $7K | $41K | 11.90% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC. | 225 WIRELESS BOULEVARD, 2ND FLOOR HAUPPAUGE, NY 11788 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $17K | $9K | $27K | 7.63% |
| GREGORY L. ECK3 | 8S721 YACKLEY AVENUE NAPERVILLE, IL 60565 | AMERITAS LIFE INSURANCE CORPORATION | $25K | $3K | $27K | 11.14% |
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 | 413 | 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) | 413 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ILLINOIS | 506 | $3.9M |
| Dental | AMERITAS LIFE INSURANCE CORPORATION | 723 | $246K |
| Vision | AMERITAS LIFE INSURANCE CORPORATION | 723 | $246K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 472 | $348K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 472 | $348K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 472 | $348K |
| Prescription drug | BLUECROSS BLUESHIELD OF ILLINOIS | 506 | $3.9M |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 472 | $348K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 723 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.