| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE,INC. | 333 WEST WACKER DRIVE, SUITE 1200 CHICAGO, IL 60606 | BLUECROSS BLUESHIELD OF ILLINOIS | $0 | $3K | $3K | 0.05% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS, LLC | UNKNOWN WESTCHESTER, IL 60154 | DELTA DENTAL OF ILLINOIS | $8K | $0 | $8K | 2.44% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS, LLC | 669 RIVER DRIVE, SUITE 305 ELMWOOD PARK, NJ 07407 | STANDARD INSURANCE COMPANY | $6K | $0 | $6K | 2.86% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC | 3525 NORTH CAUSEWAY BOULEVARD SUITE 815 METARIE, LA 70002 | STANDARD INSURANCE COMPANY | $3K | $0 | $3K | 1.20% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC | PO BOX 736073 CHICAGO, IL 60673 | STANDARD INSURANCE COMPANY | $3K | $0 | $3K | 1.20% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | PO BOX 736061 CHICAGO, IL 60673 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $0 | $1K | — |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | PO BOX 736061 CHICAGO, IL 60673 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $7K | $0 | $7K | — |
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 | 479 | 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) | 479 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ILLINOIS | 941 | $5.9M |
| Dental | DELTA DENTAL OF ILLINOIS | 444 | $339K |
| Vision | VISION SERVICE PLAN | 447 | $71K |
| Life insurance | STANDARD INSURANCE COMPANY | 479 | $220K |
| Short-term disability | STANDARD INSURANCE COMPANY | 479 | $220K |
| Long-term disability(3 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 479 | $220K |
| Prescription drug | BLUECROSS BLUESHIELD OF ILLINOIS | 941 | $5.9M |
| Other(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 479 | $220K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 941 | — |
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 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.