| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PATRIOT GROWTH INSURANCE SERVICES3 | 5401 W LAWRENCE AVENUE #300417 CHICAGO, IL 60630 | BLUECROSS BLUESHIELD OF ILLINOIS | $101K | $938 | $102K | 3.96% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH INSURANCE | 303 WEST MADISON STREET SUITE 2000 CHICAGO, IL 60606 | GUARDIAN | $4K | — | $4K | 10.40% |
| TRUE NETWORK ADVISORS3 | 383 GUNTER AVE GUNTERSVILLE, AL 35976 | GUARDIAN | $86 | — | $86 | 0.24% |
| DITORO GUADALUPE3 | PO BOX 258 HAMPTON, IL 61256 | ALLSTATE | $867 | — | $867 | 5.99% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH INSURANCE | 5401 W LAWRENCE AVENUE #300417 CHICAGO, IL 60630 | ALLSTATE | $650 | — | $650 | 4.49% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER JOSHUA | 2101 W 95TH STREET CHICAGO, IL 60643 | ALLSTATE | $650 | — | $650 | 4.49% |
| DITORO GUADALUPE3 | PO BOX 258 HAMPTON, IL 61256 | ALLSTATE | $1K | — | $1K | 12.03% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER JOSHUA | 2101 W 95TH STREET CHICAGO, IL 60643 | ALLSTATE | $1K | — | $1K | 9.04% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH INS SVCS LLC | 5401 W LAWRENCE AVENUE #300417 CHICAGO, IL 60630 | ALLSTATE | $1K | — | $1K | 9.04% |
| ATD EMPLOYER SOLUTIONS INC3 | PO BOX 258 HAMPTON, IL 61256 | ALLSTATE | $254 | — | $254 | 2.21% |
| PATRIOT GROWTH INSURANCE SERVICES3 | 5401 W LAWRENCE AVENUE CHICAGO, IL 60630 | EYEMED VISION CARE | $984 | — | $984 | 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 | 165 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 167 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ILLINOIS | 304 | $2.6M |
| Dental | BLUECROSS BLUESHIELD OF ILLINOIS | 304 | $2.6M |
| Vision | EYEMED VISION CARE | 218 | $10K |
| Life insurance | GUARDIAN | 146 | $36K |
| Short-term disability | GUARDIAN | 146 | $36K |
| Other(3 contracts, 2 carriers) | GUARDIAN | 146 | $62K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 304 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.