| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 | 2205 POINT BOULEVARD, SUITE 200 ELGIN, IL 60123 | BLUECROSS BLUESHIELD OF ILLINOIS | $79K | $3K | $83K | 15.09% |
| EJOT ATF LP3 | 3550 WEST PRATT LINCOLNWOOD, IL 60712 | BLUECROSS BLUESHIELD OF ILLINOIS | $0 | $9 | $9 | 0.00% |
| ASSUREDPARTNERS3 | 2205 POINT BOULEVARD, SUITE 200 ELGIN, IL 60123 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | $0 | $9K | 4.11% |
| ASSUREDPARTNERS3 | 2205 POINT BOULEVARD, SUITE 200 ELGIN, IL 60123 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $17K | $6K | $23K | 12.35% |
| ASSUREDPARTNERS3 | 4350 WEAVER PARKWAY WARRENVILLE, IL 60555 | DELTA DENTAL OF MICHIGAN | $6K | $0 | $6K | 9.84% |
| ASSUREDPARTNERS3 | 2205 POINT BOULEVARD, SUITE 200 ELGIN, IL 60123 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $986 | $0 | $986 | 9.77% |
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 | 499 | 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) | 499 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ILLINOIS | 573 | $547K |
| Dental | DELTA DENTAL OF MICHIGAN | 177 | $56K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 171 | $10K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 499 | $184K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 346 | $229K |
| Long-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 499 | $413K |
| Prescription drug | BLUECROSS BLUESHIELD OF ILLINOIS | 573 | $547K |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 499 | $413K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 573 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.