| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HGROUP BENEFITS INC3 | 610 ANTHONY TRAIL NORTHBROOK, IL 60062 | BLUECROSS BLUESHIELD OF ILLINOIS | $62K | $915 | $63K | 3.54% |
| STERN INSURANCE3 | 2506 N CLARK SUITE 121 CHICAGO, IL 60614 | BLUECROSS BLUESHIELD OF ILLINOIS | $6K | $0 | $6K | 0.34% |
| GLACIER GROUP LLC3 | — | BLUECROSS BLUESHIELD OF ILLINOIS | $837 | $496 | $1K | 0.07% |
| HGROUP BENEFITS INC3 | 610 ANTHONY TRL NORTHBROOK, IL 60062 | HUMANA | $3K | $0 | $3K | 1.77% |
| HGROUP BENEFITS INC3 Filed as: HGROUP BENEFITS | 610 ANTHONY TRL NORTHBROOK, IL 60062 | SUN LIFE ASSURANCE COMPANY OF CANADA | $4K | $0 | $4K | 8.10% |
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 | 428 | 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) | 428 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ILLINOIS | 428 | $1.8M |
| Dental | HUMANA | 143 | $186K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 124 | $44K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 124 | $44K |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 124 | $44K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 428 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.