| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE | 333 WEST WACKER DRIVE SUITE 19 CHICAGO, IL 60606 | BLUECROSS BLUESHIELD OF ILLINOIS | — | $2K | $2K | 0.06% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC | 333 WEST WACKER DRIVE SUITE 19 CHICAGO, IL 60606 | BLUECROSS BLUESHIELD OF ILLINOIS | — | $2 | $2 | 0.00% |
| EMERSON REID LLC3 Filed as: EMERSON REID & CO INC | 669 RIVER DRIVE CENTER II SUITE 305 ELMWOOD PARK, NJ 07407 | METROPOLITAN LIFE INSURANCE COMPANY | $15K | $3K | $18K | 4.70% |
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL STREET FLOOR 4 BOSTON, MA 02110 | METROPOLITAN LIFE INSURANCE COMPANY | — | $2K | $2K | 0.45% |
| BRADFORD T GRAHAM3 | 5215 OLD ORCHARD ROAD SUITE 1200 SKOKIE, IL 60077 | NORTHWESTERN MUTUAL | $2K | $557 | $3K | 6.15% |
| JOSPEH G GURGONE3 Filed as: JOSPEH GERARD GURGONE | 377 EAST BUTTERFIELD ROAD SUITE 400 LOMBARD, IL 60148 | NORTHWESTERN MUTUAL | $2K | $504 | $3K | 6.03% |
| GORIS FNCL GROUP INC3 | 5215 OLD ORCHARD ROAD SUITE 1200 SKOKIE, IL 60077 | NORTHWESTERN MUTUAL | $619 | $67 | $686 | 1.61% |
| HARRY KRISTOPHER MATHUR3 | 377 EAST BUTTERFIELD ROAD SUITE 400 LOMBARD, IL 60148 | NORTHWESTERN MUTUAL | $206 | $65 | $271 | 0.64% |
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 | 666 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 30 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 698 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ILLINOIS | 666 | $3.5M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 464 | $378K |
| Vision | VISION SERVICE PLAN | 282 | $49K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 464 | $378K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 464 | $378K |
| Long-term disability(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 464 | $420K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 464 | $378K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 666 | — |
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.
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.