| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL STREET BOSTON, MA 02110 | BLUECROSS BLUE SHIELD OF ILLINOIS | $29K | $0 | $29K | 4.11% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 1787 SENTRY PARKWAY WEST VEVA 16, SUITE 320 BLUE BELL, PA 19422 | GUARDIAN | $6K | $0 | $6K | 8.06% |
| RSC INSURANCE BROKERAGE INC3 | 2040 MAIN STREET STE 450 IRVINE, CA 92614 | GUARDIAN | $3K | $0 | $3K | 4.62% |
| SELMAN & COMPANY, LLC3 Filed as: SELMAN & CO | ONE INTEGRITY PARKWAY CLEVELAND, OH 44143 | GUARDIAN | $2K | $0 | $2K | 2.31% |
| RSC INSURANCE BROKERAGE INC3 | 125 W ORCHARD ST ITASCA, IL 60143 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $0 | $3K | 6.62% |
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL STREET BOSTON, MA 02110 | DEARBORN LIFE INSURANCE COMPANY | $4K | $1K | $5K | 20.69% |
| RSC INSURANCE BROKERAGE INC3 | 125 W ORCHARD ST ITASCA, IL 601431764 | VISION SERVICE PLAN | $1K | $0 | $1K | 5.49% |
| EMPLOYEE NAVIGATOR, LLC3 | 7979 OLD GEROGETOWN RD STE 300 BETHESDA, MD 208142554 | VISION SERVICE PLAN | $46 | $0 | $46 | 0.23% |
| RSC INSURANCE BROKERAGE INC3 | 333 W WACKER DR. SUITE 1200 CHICAGO, IL 60606 | METLIFE LEGAL PLAN | $198 | $0 | $198 | 7.71% |
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 | 220 | 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) | 220 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUE SHIELD OF ILLINOIS | 128 | $707K |
| Dental | GUARDIAN | 117 | $69K |
| Vision | VISION SERVICE PLAN | 104 | $20K |
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 220 | $25K |
| Other(3 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 220 | $68K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 220 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.