| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES INC | 6833 STALTER DR ROCKFORD, IL 61108 | BLUECROSS BLUESHIELD OF ILLINOIS | $31K | $0 | $31K | 2.86% |
| ASSUREDPARTNERS3 Filed as: JMB INSURANCE AGENCY | 900 NORTH MICHIGAN AVENUE CHICAGO, IL 60611 | BLUECROSS BLUESHIELD OF ILLINOIS | $14K | $0 | $14K | 1.32% |
| BENEFIT PLANNING SERVICES INC3 Filed as: BENEFIT PLANNING SERVICES | 6833 STALTER DRIVE SUITE 200 ROCKFORD, IL 61108 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 6.59% |
| JBS INSURANCE AGENCY INC3 | 900 N MICHIGAN AVENUE #1500 CHICAGO, IL 60611 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $0 | $1K | 3.41% |
| BENEFIT PLANNING SERVICES INC3 Filed as: BENEFIT PLANNING SERVICES | 6833 STALTER DRIVE SUITE 200 ROCKFORD, IL 61108 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $0 | $1K | 6.74% |
| ASSUREDPARTNERS3 Filed as: JMB INSURANCE AGENCY INC | 900 N MICHIGAN AVENUE #1500 CHICAGO, IL 60611 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $670 | $0 | $670 | 3.27% |
| BENEFIT PLANNING SERVICES INC3 | 6833 STALTER DR ROCKFORD, IL 61108 | EYEMED VISION CARE | $868 | $0 | $868 | 7.44% |
| ASSUREDPARTNERS3 Filed as: JMB INSURANCE AGENCY INC | 900 NORTH MICHIGAN AVENUE CHICAGO, IL 60611 | EYEMED VISION CARE | $294 | $0 | $294 | 2.52% |
| ASSUREDPARTNERS3 Filed as: JMB INSURANCE AGENCY | 900 N MICHIGAN AVENUE #1500 CHICAGO, IL 60611 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $638 | $0 | $638 | 7.88% |
| BENEFIT PLANNING SERVICES INC3 Filed as: BENEFIT PLANNING SERVICES | 6833 STALTER DRIVE SUITE 200 ROCKFORD, IL 61108 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $172 | $0 | $172 | 2.12% |
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 | 165 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 173 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ILLINOIS | 253 | $1.1M |
| Dental | BLUECROSS BLUESHIELD OF ILLINOIS | 253 | $1.1M |
| Vision | EYEMED VISION CARE | 216 | $12K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 164 | $21K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 120 | $8K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 164 | $37K |
| Other | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 164 | $21K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 253 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.