| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THOMAS J STRIDDE & ASSOCIATES INC Filed as: THOMAS J STRIDDE & ASSOC INC. | 2132 DEEP WATER LANE SUITE 204 NAPERVILLE, IL 60564 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $75K | — | $75K | 7.50% |
| THOMAS J STRIDDE & ASSOCIATES INC Filed as: THOMAS J STRIDDE & ASSOC INC. | 2132 DEEP WATER LANE SUITE 204 NAPERVILLE, IL 60564 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $30K | — | $30K | 7.50% |
| THOMAS J STRIDDE & ASSOCIATES INC Filed as: THOMAS J STRIDDE & ASSOC INC. | 2132 DEEP WATER LANE SUITE 204 NAPERVILLE, IL 60564 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | — | $6K | 7.50% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA BEHAVIORAL HEALTH, INC. EIN 41-1648670 EAP ADMINISTRATOR | Contract Administrator; Direct payment from the plan; Claims processing; Participant communication Service code 12 | — | $20K |
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 | 1,340 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 47 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,387 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF ILLINOIS | 1,220 | $51K |
| Vision | VISION SERVICE PLAN | 949 | $132K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $1.0M |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $399K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $80K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,265 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.