| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFIT SOLUTIONS INC0 Filed as: BENEFIT SOLUTIONS GROUP LLC | 2400 WOLF RD #100 WESTCHESTER, IL 60154 | BLUE CROSS BLUE SHIELD OF ILLINOIS | $75K | $1K | $76K | 3.90% |
| BENEFIT SOLUTIONS INC3 Filed as: BENEFIT SOLUTIONS GROUP | 2400 WOLF RD #100 WESTCHESTER, IL 60154 | THE GUARDIAN LIFE INSURANCE COMPANY OF NORTH AMERICA | $16K | $6K | $22K | 18.10% |
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 | 331 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 331 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF ILLINOIS | 331 | $1.9M |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF NORTH AMERICA | 142 | $124K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF NORTH AMERICA | 142 | $124K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF NORTH AMERICA | 142 | $124K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 331 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.