| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DS&P INSURANCE SERVICES, INC.3 Filed as: DS&P INSURANCE SERVICES, INC | 1900 E GOLF ROAD STE 650 SCHAUMBURG, IL 60173 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $67K | $0 | $67K | 9.83% |
| DS&P INSURANCE SERVICES, INC.3 | 1900 E GOLF ROAD STE 650 SCHAUMBURG, IL 60173 | SUN LIFE ASSURANCE COMPANY OF CANADA | $40K | $13K | $53K | 14.28% |
| DS&P INSURANCE SERVICES, INC.3 Filed as: DS&P INSURANCE SERVICES, INC | 1900 E GOLF ROAD STE 650 SCHAUMBURG, IL 60173 | VISION SERVICE PLAN | $11K | $0 | $11K | 12.00% |
| DS&P INSURANCE SERVICES, INC.3 | 1900 E GOLD ROAD STE 650 SCHAUMBURG, IL 60173 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | $0 | $2K | 6.74% |
| DS&P INSURANCE SERVICES, INC.3 | 1900 E. GOLF ROAD - SUITE 650 SCHAUMBURG, IL 60173 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | $263 | $3K | 11.00% |
| DS&P INSURANCE SERVICES, INC.3 | 1900 E. GOLF ROAD STE 650 SCHAUMBURG, IL 60173 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $3K | $617 | $4K | 17.67% |
| DS&P INSURANCE SERVICES, INC.3 Filed as: DS&P INSURANCE SERVICES, INC | 1900 E GOLF ROAD STE 650 SCHAUMBURG, IL 60173 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $480 | $0 | $480 | 9.86% |
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 | 824 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 13 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 837 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 22 | $684K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 22 | $684K |
| Vision | VISION SERVICE PLAN | 605 | $88K |
| Life insurance(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 825 | $377K |
| Short-term disability | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 169 | $30K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 825 | $373K |
| Other(7 contracts, 6 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 1,456 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,456 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.