| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DAVID DANZIG & ASSOCIATES3 | — | BLUECROSS BLUESHIELD OF ILLINOIS | $70K | $1K | $72K | 2.55% |
| DAVID DANZIG & ASSOCIATES3 | 570 LAKE COOK ROAD SUITE 301 DEERFILED, IL 60015 | BLUECROSS BLUESHIELD OF ILLINOIS | — | $20 | $20 | 0.00% |
| ACIA17 AUTOMOTIVE INC. DBA LEADER A3 | 1561 NORTH FREMONT STREET CHICAGO, IL 60642 | BLUECROSS BLUESHIELD OF ILLINOIS | — | $10 | $10 | 0.00% |
| DD&A INC3 | 570 LAKE COOK ROAD SUITE 210 DEERFIELD, IL 60015 | HUMANA INSURANCE COMPANY | $6K | $7K | $13K | 6.85% |
| DAVID DANZIG & ASSOCIATES3 | 570 LAKE COOK ROAD SUITE 210 DEERFIELD, IL 60015 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 6.62% |
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 | 541 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 548 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ILLINOIS | 455 | $2.8M |
| Dental | HUMANA INSURANCE COMPANY | 299 | $185K |
| Vision | HUMANA INSURANCE COMPANY | 299 | $185K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 536 | $41K |
| Other | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 536 | $41K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 536 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.