| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AFFILIATED BENEFIT CONSULTANTS3 | 1901 BUTTERFIELD ROAD SUITE 450 DOWNERS GROVE, IL 60515 | BLUE CROSS BLUE SHIELD OF ILLINOIS | $54K | — | $54K | 3.92% |
| AFFILIATED BENEFIT CONSULTANTS3 | 1111 W. 22ND STREET SUITE 620 OAK BROOK, IL 60523 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $12K | — | $12K | 8.92% |
| AFFILIATED BENEFIT CONSULTANTS3 | 1901 BUTTERFIELD ROAD, STE 450 DOWNERS GROVE, IL 60515 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 9.98% |
| AFFILIATED BENEFIT CONSULTANTS3 | 1111 W. 22ND STREET SUITE 620 OAK BROOK, IL 60523 | SUN LIFE ASSURANCE COMPANY OF CANADA | $2K | — | $2K | 7.59% |
| AFFILIATED BENEFIT CONSULTANTS3 | 1111 W. 22ND STREET SUITE 620 OAK BROOK, IL 60523 | UNION SECURITY INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| AFFILIATED BENEFIT CONSULTANTS3 | 1111 W. 22ND STREET SUITE 620 OAK BROOK, IL 60523 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $949 | — | $949 | 9.96% |
| AFFILIATED BENEFIT CONSULTANTS3 | 1901 BUTTERFIELD ROAD, STE 450 DOWNERS GROVE, IL 60515 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 24.53% |
| AFFILIATED BENEFIT CONSULTANTS3 | 1901 BUTTERFIELD ROAD, STE 450 DOWNERS GROVE, IL 60515 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 22.59% |
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 | 206 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 206 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF ILLINOIS | 206 | $1.4M |
| Dental(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 160 | $153K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 190 | $10K |
| Life insurance(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 160 | $153K |
| Short-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 111 | $77K |
| Long-term disability(3 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 160 | $208K |
| Other(3 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 160 | $142K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 206 | — |
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.