| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFIT SOLUTIONS INC Filed as: BENEFIT SOLUTIONS GROUP | 2400 WOLF RD. STE. 100 WESTCHESTER, IL 60154 | AETNA | $5.7M | $0 | $5.7M | 272.88% |
| BENEFIT SOLUTIONS INC Filed as: BENEFIT SOLUTIONS GROUP | 2400 WOLF RD. STE. 100 WESTCHESTER, IL 60154 | STARMOUNT LIFE INSURANCE COMPANY | $11K | — | $11K | 7.00% |
| BENEFIT SOLUTIONS INC Filed as: BENEFIT SOLUTIONS GROUP | 2400 WOLF RD. STE. 100 WESTCHESTER, IL 60154 | UNUM LIFE INSURANCE COMPANY | $11K | — | $11K | 10.00% |
| BENEFIT SOLUTIONS INC Filed as: BENEFIT SOLUTIONS GROUP | 2400 WOLF RD. STE. 100 WESTCHESTER, IL 60154 | EYE MED | $2K | — | $2K | 6.40% |
| BENEFIT SOLUTIONS INC Filed as: BENEFIT SOLUTIONS GROUP | 2400 WOLF RD. STE. 100 WESTCHESTER, IL 60154 | UNUM INSURANCE COMPANY | $3K | — | $3K | 10.00% |
| BENEFIT SOLUTIONS INC Filed as: BENEFIT SOLUTIONS GROUP | 2400 WOLF RD. STE. 100 WESTCHESTER, IL 60154 | STARMOUNT LIFE INSURANCE COMPANY | $702 | — | $702 | 6.99% |
| BENEFIT SOLUTIONS INC Filed as: BENEFIT SOLUTIONS GROUP | 2400 WOLF RD. STE. 100 WESTCHESTER, IL 60154 | UNUM LIFE INSURANCE COMPANY | $987 | — | $987 | 13.76% |
| BENEFIT SOLUTIONS INC Filed as: BENEFIT SOLUTIONS GROUP | 2400 WOLF RD. STE. 100 WESTCHESTER, IL 60154 | UNUM LIFE INSURANCE COMPANY | $181 | — | $181 | 9.96% |
| BENEFIT SOLUTIONS INC Filed as: BENEFIT SOLUTIONS GROUP | 2400 WOLF RD. STE. 100 WESTCHESTER, IL 60154 | STARMOUNT LIFE INSURANCE COMPANY | $119 | — | $119 | 6.95% |
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 | 603 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 603 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA | 385 | $2.1M |
| Dental(3 contracts) | STARMOUNT LIFE INSURANCE COMPANY | 367 | $166K |
| Vision | EYE MED | 377 | $27K |
| Life insurance(4 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY | 603 | $141K |
| Long-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY | 603 | $113K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 603 | — |
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."
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.