| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DS&P INSURANCE SERVICES, INC.3 | 1900 E GOLF ROAD-SUITE 650 SCHAUMBURG, IL 60173 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $42K | — | $42K | 10.06% |
| DSP INSURANCE SERVICES, INC.3 Filed as: DSP INSURANCE SERVICES INC. | 1900 E. GOLF ROAD - SUITE 650 SCHAUMBURG, IL 60173 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $27K | — | $27K | 13.00% |
| DSP INSURANCE SERVICES, INC.3 | 1900 E GOLF ROAD-STE 650 SCHAUMBURG, IL 60173 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $21K | — | $21K | 13.00% |
| DS&P INSURANCE SERVICES, INC.3 | 1900 E. GOLF ROAD - SUITE 650 SCHAUMBURG, IL 60173 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $27K | — | $27K | 32.62% |
| DS&P INSURANCE SERVICES, INC.3 Filed as: DS&P INSURANCE SERVICES | 1900 E GOLF ROAD-#650 SCHAUMBURG, IL 60173 | VISION SERVICE PLAN | $7K | — | $7K | 9.19% |
| DS&P INSURANCE SERVICES, INC.3 | 1900 E GOLD ROAD-SUITE 650 SCHAUMBURG, IL 60173 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 8.78% |
| DS&P INSURANCE SERVICES, INC.3 | 1900 E GOLF ROAD-SUITE 650 SCHAUMBURG, IL 60173 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| DSP INSURANCE SERVICES, INC.3 Filed as: DSP INSURANCE SERVICES INC. | 1900 GOLF ROAD-STE 650 SCHAUMBURG, IL 60173 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 13.00% |
| DS&P INSURANCE SERVICES, INC.3 | 1900 E. GOLF ROAD-SUITE 650 SCHAUMBURG, IL 60173 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $353 | — | $353 | 9.84% |
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 | 810 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 18 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 828 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 98 | $436K |
| Dental(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 674 | $495K |
| Vision | VISION SERVICE PLAN | 591 | $76K |
| Life insurance(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 810 | $214K |
| Short-term disability | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 182 | $33K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 329 | $163K |
| Other(6 contracts, 4 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 810 | $568K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 810 | — |
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.