| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 | 25 NW POINT BOULEVARD, SUITE 625 ELK GROVE, IL 60007 | BLUECROSS BLUESHIELD OF ILLINOIS | $87K | $3K | $90K | 3.97% |
| MELITTA PRO. COFFEE SOLNS USA, INC.3 | 2150 POINT BOULEVARD, SUITE 200 ELGIN, IL 60123 | BLUECROSS BLUESHIELD OF ILLINOIS | $0 | $3 | $3 | 0.00% |
| ASSUREDPARTNERS3 | FOUR WESTBROOK CORPORATE CENTER SUITE 500 WESTCHESTER, IL 60154 | DEARBORN LIFE INSURANCE COMPANY | $22K | $6K | $28K | 18.88% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: INSENTIAL, INC. | 216 SOUTH JEFFERSON STREET UNIT LL2 CHICAGO, IL 60661 | DEARBORN LIFE INSURANCE COMPANY | $0 | $7K | $7K | 5.00% |
| ASSUREDPARTNERS3 | 4350 WEAVER PARKWAY WARRENVILLE, IL 60555 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $9K | $4K | $12K | 9.24% |
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 | 151 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 151 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 302 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ILLINOIS | 271 | $2.3M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 134 | $135K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 134 | $135K |
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 146 | $147K |
| Short-term disability | DEARBORN LIFE INSURANCE COMPANY | 146 | $147K |
| Long-term disability | DEARBORN LIFE INSURANCE COMPANY | 146 | $147K |
| Prescription drug | BLUECROSS BLUESHIELD OF ILLINOIS | 271 | $2.3M |
| Other(2 contracts, 2 carriers) | DEARBORN LIFE INSURANCE COMPANY | 146 | $283K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 271 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.