| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE | — | BLUECROSS BLUESHIELD OF ILLINOIS | — | $2K | $2K | 0.05% |
| EMERSON REID LLC3 Filed as: EMERSON REID AND CO INC | EMPIRE STATE BUILDING 350 5TH AVENUE SUITE 3700 NEW YORK, NY 10118 | STANDARD INSURANCE COMPANY | $6K | — | $6K | 10.00% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INS BROKERAGE INC | 160 FEDERAL STREET FLOOR 4 BOSTON, MA 02110 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 3.54% |
| EMERSON REID LLC3 Filed as: EMERSON REID AND CO INC | EMPIRE STATE BUILDING 350 5TH AVENUE SUITE 3700 NEW YORK, NY 10118 | STANDARD INSURANCE COMPANY | $5K | — | $5K | 10.21% |
| EMERSON REID LLC3 Filed as: EMERSON REID AND CO INC | EMPIRE STATE BUILDING 350 5TH AVENUE SUITE 3700 NEW YORK, NY 10118 | STANDARD INSURANCE COMPANY | $4K | — | $4K | 10.21% |
| SPECTRUM SOURCE BROKERAGE3 | 9535 EAST 59TH STREET SUITE C INDIANAPOLIS, IN 46216 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 8.31% |
| CHRISTOPHER A. BUSSEY3 Filed as: CHRISTOPHER A BUSSEY | 303 WEST OHIO STREET UNIT 3804 CHICAGO, IL 60654 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 7.57% |
| BRADFORD T GRAHAM3 | 1673 NORTH WOODS WAY VERNON HILLS, IL 60061 | STANDARD INSURANCE COMPANY | $1K | — | $1K | 4.41% |
| JOSPEH G GURGONE3 | 377 EAST BUTTERFIELD ROAD SUITE 400 LOMBARD, IL 60148 | STANDARD INSURANCE COMPANY | $1K | — | $1K | 4.41% |
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 | 360 | 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) | 360 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ILLINOIS | 716 | $4.2M |
| Dental | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 768 | $257K |
| Vision | VISION SERVICE PLAN | 329 | $56K |
| Life insurance | STANDARD INSURANCE COMPANY | 360 | $55K |
| Short-term disability | STANDARD INSURANCE COMPANY | 360 | $53K |
| Long-term disability(2 contracts) | STANDARD INSURANCE COMPANY | 360 | $77K |
| Other(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 362 | $55K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 768 | — |
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.