| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE | 333 WEST WACKER DRIVE # 19 CHICAGO, IL 60606 | BLUECROSS BLUESHIELD OF ILLINOIS | $1K | — | $1K | 0.04% |
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL STREET FLOOR 2 BOSTON, MA 02110 | METROPOLITAN LIFE INSURANCE COMPANY | — | $5K | $5K | 1.79% |
| BRADFORD T GRAHAM3 | 5215 OLD ORCHARD ROAD SUITE 1200 SKOKIE, IL 60077 | NORTHWESTERN MUTUAL | $2K | $579 | $3K | — |
| JOSEPH G. GURGONE3 Filed as: JOSEPH GERARD GURGONE | 377 E BUTTERFIELD ROAD SUITE 400 LOMBARD, IL 60148 | NORTHWESTERN MUTUAL | $2K | $492 | $3K | — |
| GORIS FNCL GROUP INC3 | 5215 OLD ORCHARD ROAD SUITE 1200 SKOKIE, IL 60077 | NORTHWESTERN MUTUAL | $687 | $60 | $747 | — |
| HARRY KRISTOPHER MATHUR3 | 377 E BUTTERFIELD ROAD SUITE 400 LOMBARD, IL 60148 | NORTHWESTERN MUTUAL | $309 | $73 | $382 | — |
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 | 276 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 6 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 288 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ILLINOIS | 696 | $3.5M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 1,125 | $301K |
| Vision | VISION SERVICE PLAN | 278 | $48K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 1,125 | $301K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 1,125 | $301K |
| Long-term disability(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,125 | $301K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,125 | $301K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,125 | — |
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.