| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DANZIG GROUP3 | 570 LAKE COOK ROAD SUITE 301 DEERFIELD, IL 60015 | BLUE CROSS BLUE SHIELD OF ILLINOIS | $172K | $6K | $177K | 2.91% |
| DANZIG GROUP3 | 570 LAKE COOK ROAD SUITE 301 DEERFIELD, IL 60015 | DEARBORN LIFE INSURANCE COMPANY | $7K | $2K | $9K | 12.94% |
| DANZIG GROUP3 | 570 LAKE COOK RD SUITE 301 DEERFIELD, IL 60015 | HEALTHIEST YOU | $2K | — | $2K | 5.00% |
| DANZIG GROUP3 | 570 LAKE COOK ROAD SUITE 301 DEERFIELD, IL 60015 | METLIFE LEGAL PLANS | $2K | — | $2K | 6.88% |
| DANZIG GROUP3 | 570 LAKE COOK RD SUITE 301 DEERFIELD, IL 60015 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 9.42% |
| BOON ADMINISTRATIVE SERVICES5 | 234 SPRING LAKE DR ITASCA, IL 601433202 | METROPOLITAN LIFE INSURANCE COMPANY | — | $1K | $1K | 8.12% |
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 | 1,702 | 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) | 1,702 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF ILLINOIS | 1,036 | $6.1M |
| Dental | BLUE CROSS BLUE SHIELD OF ILLINOIS | 1,036 | $6.1M |
| Vision | DEARBORN LIFE INSURANCE COMPANY | 592 | $70K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 1,702 | $17K |
| Other(3 contracts, 3 carriers) | HEALTHIEST YOU | 1,702 | $80K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,702 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.