| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 | FOUR WESTBROOK CORPORATE CENTER SUITE 500 WESTCHESTER, IL 60154 | BLUECROSS BLUESHIELD OF ILLINOIS | $14K | $2K | $16K | 10.19% |
| ASSUREDPARTNERS3 | FOUR WESTBROOK CORPORATE CENTER SUITE 500 WESTCHESTER, IL 60154 | DEARBORN LIFE INSURANCE COMPANY | $8K | $0 | $8K | 15.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: INSENTIAL, INC. DBA SRCE 1 BENS. | 206 SOUTH JEFFERSON STREET SUITE 200 CHICAGO, IL 60661 | DEARBORN LIFE INSURANCE COMPANY | $3K | $0 | $3K | 4.98% |
| ASSUREDPARTNERS3 | FOUR WESTBROOK CORPORATE CENTER SUITE 500 WESTCHESTER, IL 60154 | VISION SERVICE PLAN | $1K | $0 | $1K | 4.80% |
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 | 279 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 3 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 286 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | BLUECROSS BLUESHIELD OF ILLINOIS | 454 | $153K |
| Vision | VISION SERVICE PLAN | 247 | $27K |
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 300 | $55K |
| Long-term disability | DEARBORN LIFE INSURANCE COMPANY | 300 | $55K |
| Other | DEARBORN LIFE INSURANCE COMPANY | 300 | $55K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 454 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.