| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFIT SOLUTIONS INC Filed as: BENEFIT SOLUTIONS GROUP LLC | 2400 S WOLF RD STE 100 WESTCHESTER, IL 60154 | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | $154K | — | $154K | 2.73% |
| BENEFIT SOLUTIONS INC Filed as: BENEFIT SOLUTIONS GROUP LLC | 2400 S WOLF RD STE 100 WESTCHESTER, IL 60154 | STARMOUNT LIFE INSURANCE COMPANY | $30K | — | $30K | 6.03% |
| BENEFIT SOLUTIONS INC Filed as: BENEFIT SOLUTIONS GROUP LLC | 2400 S WOLF RD STE 100 WESTCHESTER, IL 60154 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $40K | — | $40K | 8.86% |
| BENEFIT SOLUTIONS INC Filed as: BENEFIT SOLUTIONS GROUP LLC | 2400 S WOLF RD STE 100 WESTCHESTER, IL 60154 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $36K | — | $36K | 10.00% |
| BENEFIT SOLUTIONS INC Filed as: BENEFIT SOLUTIONS GROUP LLC | 2400 S WOLF RD STE 100 WESTCHESTER, IL 60154 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $17K | — | $17K | 15.29% |
| BENEFIT SOLUTIONS INC Filed as: BENEFIT SOLUTIONS GROUP LLC | 2400 S WOLF RD STE 100 WESTCHESTER, IL 60154 | EYEMED | $7K | — | $7K | 7.38% |
| BENEFIT SOLUTIONS INC Filed as: BENEFIT SOLUTIONS GROUP LLC | 2400 S WOLF RD STE 100 WESTCHESTER, IL 60154 | UNUM INSURANCE COMPANY | $6K | — | $6K | 15.00% |
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 | 1,940 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,940 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | 660 | $5.7M |
| Dental | STARMOUNT LIFE INSURANCE COMPANY | 842 | $499K |
| Vision | EYEMED | 1,340 | $100K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,915 | $812K |
| Short-term disability(4 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,915 | $979K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,915 | $451K |
| Other | UNUM INSURANCE COMPANY | 267 | $41K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,915 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.