| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INS. SERVICES, INC. | 263 SHUMAN BOULEVARD, SUITE 110 NAPERVILLE, IL 60563 | BLUE CROSS BLUE SHIELD OF ILLINOIS | $80K | $2K | $82K | 2.30% |
| USI INSURANCE SERVICES LLC3 | 1721 MAGNAVOX WAY FORT WAYNE, IN 46804 | BLUE CROSS BLUE SHIELD OF ILLINOIS | $40K | $0 | $40K | 1.11% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INS. SERVICES, INC. | 1301 WEST 22ND STREET, SUITE 600 OAK BROOK, IL 60523 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $788 | $5K | 6.08% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $1K | $2K | 2.77% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INS. SERVICES, INC. | 1301 WEST 22ND STREET, SUITE 600 OAK BROOK, IL 60523 | DEARBORN LIFE INSURANCE COMPANY | $6K | $0 | $6K | 12.18% |
| STRATEGIC NON-MEDICAL SLTNS LLC3 Filed as: STRATEGIC NON-MEDICAL SOL., LLC | ONE BEACON STREET, SUITE 17100 BOSTON, MA 02108 | DEARBORN LIFE INSURANCE COMPANY | $0 | $2K | $2K | 4.49% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INS. SERVICES, INC. | 1301 WEST 22ND STREET, SUITE 600 OAK BROOK, IL 60523 | VISION SERVICE PLAN | $969 | $0 | $969 | 3.97% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | VISION SERVICE PLAN | $275 | $0 | $275 | 1.13% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INS. SERVICES, INC. | 1301 WEST 22ND STREET, SUITE 600 OAK BROOK, IL 60523 | UNUM INSURANCE COMPANY | $2K | $121 | $2K | 12.70% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | UNUM INSURANCE COMPANY | $300 | $100 | $400 | 2.69% |
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 | 314 | 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) | 314 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF ILLINOIS | 415 | $3.6M |
| Dental | BLUE CROSS BLUE SHIELD OF ILLINOIS | 415 | $3.6M |
| Vision | VISION SERVICE PLAN | 179 | $24K |
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 314 | $53K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 307 | $80K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF ILLINOIS | 415 | $3.6M |
| Other(4 contracts, 4 carriers) | DEARBORN LIFE INSURANCE COMPANY | 1,083 | $91K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,083 | — |
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."
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.