| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: JMB INSURANCE AGENCY INC. | — | BLUECROSS BLUESHIELD OF ILLINOIS | $44K | $893 | $45K | 4.28% |
| ASSUREDPARTNERS3 Filed as: JMB INS AGENCY INC | 900 NORTH MICHIGAN AVENUE SUITE 1500 CHICAGO, IL 60611 | DEARBORN LIFE INSURANCE COMPANY | $12K | — | $12K | 10.09% |
| ALFREDO MALDONADO JR3 | 804 HARRISON STREET APARTMENT C2 OAK PARK, IL 60304 | AFLAC | $373 | $18 | $391 | 6.42% |
| ASSUREDPARTNERS3 Filed as: JMB INSURANCE AGENCY | 900 NORTH MICHIGAN AVENUE FLOOR 15 CHICAGO, IL 60611 | AFLAC | $186 | — | $186 | 3.06% |
| ANDREW CASPERSON3 Filed as: ANDREW W CASPERSON AND ASSOC LLC | 325 WEST HURON STREET SUITE 215 CHICAGO, IL 60654 | AFLAC | $166 | $4 | $170 | 2.79% |
| GLOBAL BENEFITS INC3 | 1512 ARTAIUS PARKWAY SUITE 101 LIBERTYVILLE, IL 60048 | AFLAC | $143 | — | $143 | 2.35% |
| ROCKWELL & ASSOCIATES3 Filed as: ROCKWELL & ASSOCIATES LTD | 325 WEST HURON STREET SUITE 215 CHICAGO, IL 60654 | AFLAC | $77 | $4 | $81 | 1.33% |
| JOANNA M ROCKWELL3 Filed as: JOANNA M NASCA | 350 NORTH LA SALLE DRIVE SUITE 1410 CHICAGO, IL 60654 | AFLAC | $49 | — | $49 | 0.80% |
| SHELLEY L BURTON3 | 325 WEST HURON STREET CHICAGO, IL 60654 | AFLAC | $1 | — | $1 | 0.02% |
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 | 214 | 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) | 214 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ILLINOIS | 214 | $1.1M |
| Dental | BLUECROSS BLUESHIELD OF ILLINOIS | 214 | $1.1M |
| Vision | DEARBORN LIFE INSURANCE COMPANY | 440 | $123K |
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 440 | $123K |
| Short-term disability(2 contracts, 2 carriers) | DEARBORN LIFE INSURANCE COMPANY | 440 | $129K |
| Other(3 contracts, 3 carriers) | DEARBORN LIFE INSURANCE COMPANY | 440 | $132K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 440 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.