| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE PLEXUS GROUPE LLC3 | 21805 FIELD PKWY, STE 300 DEER PARK, IL 60010 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $24K | $19K | $43K | 7.15% |
| THE PLEXUS GROUPE LLC3 | 21805 FIELD PKWY, STE 300 DEER PARK, IL 60010 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $9K | $15K | $23K | 9.95% |
| THE PLEXUS GROUPE LLC3 | 21805 FIELD PKWY, STE 300 DEER PARK, IL 60010 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $9K | $11K | $21K | 11.26% |
| THE PLEXUS GROUPE LLC3 | 21805 FIELD PARKWAY, STE 300 DEER PARK, IL 60010 | AMERICAN ALTERNATIVE INSURANCE CORPORATION | $4K | — | $4K | 2.00% |
| THE PLEXUS GROUPE LLC3 | 21805 FIELD PARKWAY, STE 300 DEER PARK, IL 60010 | HM LIFE INSURANCE COMPANY | $17K | — | $17K | 10.00% |
| THE PLEXUS GROUPE LLC3 | 21805 FIELD PKWY, STE 300 DEER PARK, IL 60010 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | $8K | $15K | 11.25% |
| THE PLEXUS GROUPE LLC3 | 21805 FIELD PARKWAY, STE 300 DEER PARK, IL 60010 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $31K | — | $31K | 33.00% |
| THE PLEXUS GROUPE LLC3 | 21805 FIELD PKWY, STE 300 DEER PARK, IL 60010 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $10K | $6K | $15K | 17.34% |
| THE PLEXUS GROUPE LLC3 | 21805 FIELD PKWY, STE 300 DEER PARK, IL 60010 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $3K | $4K | 14.44% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CVS HEALTH EIN 05-0340626 CLAIMS PROCESSOR | Claims processing Service code 12 | — | $19K |
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 | 1,946 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 10 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,956 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH CARE SERVICES CORPORATION | 3,450 | $10.9M |
| Dental | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,703 | $94K |
| Vision(2 contracts, 2 carriers) | HM LIFE INSURANCE COMPANY | 2,803 | $172K |
| Life insurance(3 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,464 | $712K |
| Short-term disability(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,286 | $317K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 801 | $233K |
| Stop-loss / reinsurancereinsurance | AMERICAN ALTERNATIVE INSURANCE CORPORATION | 1,954 | $183K |
| Other(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,464 | $116K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,450 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.