| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BLUESTONE ADVISORS LLC3 Filed as: BLUESTONE ADVISORS, LLC | 377 EAST BUTTERFIELD ROAD SUITE 240 LOMBARD, IL 60148 | BLUE CROSS BLUE SHIELD OF ILLINOIS | $37K | $0 | $37K | 2.52% |
| ABD INS. AND FINANCIAL SVCS., INC.3 | 777 MARINERS ISLAND BOULEVARD SUITE 250 SAN MATEO, CA 94404 | BLUE CROSS BLUE SHIELD OF ILLINOIS | $10K | $0 | $10K | 0.70% |
| BLUESTONE ADVISORS LLC3 Filed as: BLUESTONE ADVISORS, LLC | 377 EAST BUTTERFIELD ROAD SUITE 240 LOMBARD, IL 60148 | DELTA DENTAL OF ILLINOIS | $7K | $0 | $7K | 4.30% |
| ABD INS. AND FINANCIAL SVCS., INC.3 | 777 MARINERS ISLAND BOULEVARD SUITE 250 SAN MATEO, CA 94404 | DELTA DENTAL OF ILLINOIS | $5K | $0 | $5K | 3.40% |
| BLUESTONE ADVISORS LLC3 Filed as: BLUESTONE ADVISORS, LLC | 377 EAST BUTTERFIELD ROAD SUITE 240 LOMBARD, IL 60148 | AMERICAN UNITED LIFE INSURANCE COMPANY | $14K | $0 | $14K | 9.97% |
| ABD INS. AND FINANCIAL SVCS., INC.3 | 777 MARINERS ISLAND BOULEVARD SUITE 250 SAN MATEO, CA 94404 | AMERICAN UNITED LIFE INSURANCE COMPANY | $7K | $0 | $7K | 5.03% |
| BLUESTONE ADVISORS LLC3 Filed as: BLUESTONE ADVISORS, LLC | 377 EAST BUTTERFIELD ROAD SUITE 240 LOMBARD, IL 60148 | VISION SERVICE PLAN | $1K | $0 | $1K | 3.15% |
| ABD INS. AND FINANCIAL SVCS., INC.3 | 777 MARINERS ISLAND BOULEVARD SUITE 250 SAN MATEO, CA 94404 | VISION SERVICE PLAN | $424 | $0 | $424 | 1.24% |
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 | 277 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 19 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 301 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF ILLINOIS | 337 | $1.5M |
| Dental | DELTA DENTAL OF ILLINOIS | 257 | $154K |
| Vision | VISION SERVICE PLAN | 243 | $34K |
| Life insurance | AMERICAN UNITED LIFE INSURANCE COMPANY | 277 | $141K |
| Short-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 277 | $141K |
| Long-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 277 | $141K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF ILLINOIS | 337 | $1.5M |
| Other | AMERICAN UNITED LIFE INSURANCE COMPANY | 277 | $141K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 337 | — |
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.