| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DS&P INSURANCE SERVICES, INC.3 | 1900 E GOLF ROAD - STE 650 SCHAUMBURG, IL 60173 | KAISER FOUNDATION HEALTH PLAN, INC. | $5K | — | $5K | 4.41% |
| DS&P INSURANCE SERVICES, INC.3 | 1900 E GOLF ROAD - SUITE 650 SCHAUMBURG, IL 60173 | KAISER FOUNDATION HEALTH PLAN, INC. | $5K | — | $5K | 4.68% |
| 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 | $15K | $4K | $19K | 19.37% |
| 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 | $13K | $4K | $16K | 19.12% |
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 | 2,057 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,066 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | KAISER FOUNDATION HEALTH PLAN, INC. | 24 | $218K |
| Dental(5 contracts, 2 carriers) | DELTA DENTAL OF CT, INC. | 3,524 | $817K |
| Vision | VISION SERVICE PLAN | 1,428 | $196K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 2,057 | $807K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 887 | $293K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,073 | $302K |
| Other(4 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 2,833 | $222K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,524 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.