| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. | UNKNOWN BLOOMINGTON, IL 61701 | BLUECROSS AND BLUESHIELD OF ILLINOIS | $147 | $0 | $147 | 0.00% |
| N-GAGE LLC3 Filed as: N-GAGE, LLC | 22385 MISTY FALLS CIRCLE FRANKFORT, IL 60423 | TRANSAMERICA LIFE INSURANCE COMPANY | $3K | $0 | $3K | 34.50% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS, INC. | 897 12TH STREET HAMMONTON, NJ 08037 | TRANSAMERICA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 25.85% |
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 | 3,094 | 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) | 3,094 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS AND BLUESHIELD OF ILLINOIS | 2,810 | $11.4M |
| Dental | BLUECROSS AND BLUESHIELD OF ILLINOIS | 2,810 | $11.4M |
| Vision | DEARBORN LIFE INSURANCE COMPANY | 3,094 | $791K |
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 3,094 | $791K |
| Short-term disability | DEARBORN LIFE INSURANCE COMPANY | 3,094 | $791K |
| Long-term disability | DEARBORN LIFE INSURANCE COMPANY | 3,094 | $791K |
| Prescription drug | BLUECROSS AND BLUESHIELD OF ILLINOIS | 2,810 | $11.4M |
| Other(2 contracts, 2 carriers) | DEARBORN LIFE INSURANCE COMPANY | 3,094 | $800K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,094 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.