| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BRUCE MORDINI3 | 499 S. RIDGE RD LAKE FOREST, IL 60045 | UNITED HEALTHCARE INSURANCE COMPANY | $82K | $0 | $82K | 5.00% |
| BRUCE MORDINI3 | 499 S. RIDGE RD LAKE FOREST, IL 60045 | CIGNA GROUP INSURANCE | $9K | $0 | $9K | 1.39% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES | 340 MADISON AVE 21ST FLOOR NEW YORK, NY 10173 | CIGNA GROUP INSURANCE | $0 | $1K | $1K | 0.16% |
| STRATEGO PARTNERS3 | 445 SHANNON RD DEERFIELD, IL 60015 | EYEMED | $16K | $247 | $16K | 9.29% |
| BRUCE MORDINI3 | 499 S. RIDGE RD LAKER FOREST, IL 60045 | GUARDIAN | $4K | $0 | $4K | 4.00% |
| BRUCE MORDINI | 499 S. RIDGE RD LAKE FOREST, IL 60045 | CIGNA GROUP INSURANCE | $9K | $0 | $9K | 11.92% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES | 340 MADISON AVE 21ST FLOOR NEW YORK, NY 10173 | CIGNA GROUP INSURANCE | $0 | $2K | $2K | 2.16% |
| BRUCE MORDINI3 | 499 S. RIDGE RD LAKE FOREST, IL 60045 | CIGNA GROUP INSURANCE | $7K | $0 | $7K | 12.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES | 340 MADISON AVE 21ST FLOOR NEW YORK, NY 10173 | CIGNA GROUP INSURANCE | $0 | $1K | $1K | 2.06% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES | 340 MADISON AVE 21ST FLOOR NEW YORK, NY 10173 | PROVIDENT LIFE AND ACCIDENT INSURANCE CO | $3K | $1K | $4K | 15.79% |
| BRUCE MORDINI3 | 499 S. RIDGE RD LAKE FOREST, IL 60045 | LIFE INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 12.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES | 340 MADISON AVE 21ST FLOOR NEW YORK, NY 10173 | LIFE INSURANCE COMPANY OF AMERICA | $0 | $440 | $440 | 2.17% |
| BRUCE MORDINI3 | 499 S. RIDGE RD LAKE FOREST, IL 60045 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $0 | $2K | 15.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES | 340 MADISON AVE 21ST FLOOR NEW YORK, NY 10173 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $221 | $221 | 1.95% |
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 | 2,968 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 14 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 62 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,044 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 3,059 | $1.6M |
| Vision | EYEMED | 2,387 | $176K |
| Life insurance(5 contracts, 3 carriers) | CIGNA GROUP INSURANCE | 2,453 | $821K |
| Short-term disability | PROVIDENT LIFE AND ACCIDENT INSURANCE CO | 22 | $25K |
| Long-term disability | GUARDIAN | 2,184 | $111K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,059 | — |
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."
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.