| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INSURANCE PLANS AGENCY, INC.3 Filed as: INSURANCE PLANS AGENCY INC | 3 EXECUTIVE CT STE 3 SOUTH BARRINGTON, IL 60010 | BLUECROSS BLUESHIELD OF ILLINOIS | $108K | $2K | $110K | 3.98% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 2 PIERCE PLACE 21ST FLOOR ITASCA, IL 60143 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | $1K | $8K | 9.10% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2 PIERCE PLACE 21ST FLOOR ITASCA, IL 60143 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | $578 | $8K | 17.93% |
| VINCENZO VENTURI3 | 14 WESTCHESTER AVE POUND RIDGE, NY 10576 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $425 | — | $425 | 1.01% |
| EMERSON REID LLC3 | 401 BROADWAY, STE 912 NEW YORK, NY 10013 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $142 | $142 | 0.34% |
| MARK BADLU3 | NYLIFE SECURITIES LLC 51 MADISON AVE ROOM 606 NEW YORK, NY 10010 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $21 | $21 | 0.05% |
| INSURANCE PLANS AGENCY, INC.3 Filed as: INSURANCE PLANS AGENCY INC | 3 EXECUTIVE CT STE 3 SOUTH BARRINGTON, IL 60010 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 7.40% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 2 PIERCE PLACE 21ST FLOOR ITASCA, IL 60143 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $375 | $3K | 10.31% |
| JOEL ALAN ROVNER3 | 8700 W BRYN MAWR AVE, STE 600S CHICAGO, ID 60631 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $68 | — | $68 | 0.94% |
| CHARLES R IEUTER3 | 1622 WILLOW RD, STE 111 NORTHFIELD, IL 60093 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $68 | — | $68 | 0.94% |
| JOEL ALAN ROVNER3 | 8700 W BRYN MAWR AVE, STE 600S CHICAGO, IL 60631 | FIRST UNUM LIFE INSURANCE COMPANY | $109 | — | $109 | 2.61% |
| CHARLES R IEUTER3 | 1622 WILLOW RD, STE 111 NORTHFIELD, IL 60093 | FIRST UNUM LIFE INSURANCE COMPANY | $42 | — | $42 | 1.00% |
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 | 357 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 363 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ILLINOIS | 517 | $2.8M |
| Vision | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 310 | $31K |
| Life insurance(5 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 376 | $69K |
| Short-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 212 | $89K |
| Long-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 376 | $89K |
| Prescription drug | BLUECROSS BLUESHIELD OF ILLINOIS | 517 | $2.8M |
| Other(6 contracts, 4 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 376 | $81K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 517 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.