| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CORPORATE RISK SERVICES INC.3 | 2413 W ALGONQUIN ROAD, SUITE 112 ALGONQUIN, IL 60102 | BLUECROSS BLUESHIELD OF ILLINOIS | $147K | — | $147K | 2.89% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | BLUECROSS BLUESHIELD OF ILLINOIS | $28K | — | $28K | 0.55% |
| CORPORATE RISK SERVICES INC.3 | 2413 W ALGONQUIN ROAD, SUITE 112 ALGONQUIN, IL 60102 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES (CIGNA) | $12K | — | $12K | 3.49% |
| CORPORATE RISK SERVICES INC.3 Filed as: CORPORATE RISK SERVICES | 2413 W ALGONQUIN ROAD, SUITE 112 ALGONQUIN, IL 60102 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $12K | — | $12K | 12.33% |
| CORPORATE RISK SERVICES INC.3 Filed as: CORPORATE RISK SERVICES | 2413 W ALGONQUIN ROAD, SUITE 112 ALGONQUIN, IL 60102 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | — | $6K | 8.21% |
| CORPORATE RISK SERVICES INC.3 Filed as: CORPORATE RISK SERVICES | 2413 W ALGONQUIN ROAD, SUITE 112 ALGONQUIN, IL 60102 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | — | $5K | 8.29% |
| CORPORATE RISK SERVICES INC.3 Filed as: CORPORATE RISK SERVICES | 2413 W ALGONQUIN ROAD, SUITE 112 ALGONQUIN, IL 60102 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | — | $5K | 8.30% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 606740001 | VISION SERVICE PLAN | $253 | — | $253 | 0.53% |
| CORPORATE RISK SERVICES INC.3 Filed as: CORPORATE RISK SERVICES | 2413 W ALGONQUIN ROAD, SUITE 112 ALGONQUIN, IL 60102 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 8.07% |
| CORPORATE RISK SERVICES INC.3 Filed as: CORPORATE RISK SERVICES | 2413 W ALGONQUIN ROAD, SUITE 112 ALGONQUIN, IL 60102 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $667 | — | $667 | 12.38% |
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 | 448 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 454 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ILLINOIS | 883 | $5.1M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES (CIGNA) | 885 | $351K |
| Vision | VISION SERVICE PLAN | 382 | $48K |
| Life insurance(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 448 | $161K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 167 | $75K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 448 | $66K |
| Prescription drug | BLUECROSS BLUESHIELD OF ILLINOIS | 883 | $5.1M |
| Other(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 448 | $19K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 885 | — |
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.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.