| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FINANCIAL RENAISSANCE3 | 203 N LASALLE ST STE 2100 CHICAGO, IL 60601 | BLUECROSS BLUESHIELD OF ILLINOIS | $31K | $720 | $32K | 4.10% |
| FINANCIAL RENAISSANCE3 | 806 W WASHINGTON BLVD STE 202 CHICAGO, IL 60607 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $5K | $0 | $5K | 8.02% |
| HOWARD B LABOW3 Filed as: HOWARD B. LABOW | 666 DUNDEE ROAD STE 1603 NORTHBROOK, IL 60062 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $6K | $0 | $6K | 19.30% |
| FINANCIAL RENAISSANCE3 | 806 W WASHINGTON BLVD STE 202 CHICAGO, IL 60607 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $6K | $0 | $6K | 18.72% |
| ERIKA M TORRES3 Filed as: ERIKA M. TORRES | 2627 S 59TH COURT 1ST FLOOR CICERO, IL 60804 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $687 | $0 | $687 | 2.22% |
| JOHN A FRIAS3 Filed as: JOHN A. FRIAS | 1913 N. WASHINGTON ST WHEATON, IL 60187 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $123 | $0 | $123 | 0.40% |
| FINANCIAL RENAISSANCE3 | 1016 W JACKSON BLVD STE 407 CHICAGO, IL 60607 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $4K | $0 | $4K | 13.93% |
| HOWARD B LABOW3 | 666 DUNDEE ROAD STE 1603 NORTHBROOK, IL 60062 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | $0 | $3K | 14.38% |
| FINANCIAL RENAISSANCE3 | 806 W WASHINGTON BLVD STE 202 CHICAGO, IL 60607 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | $0 | $3K | 14.16% |
| ERIKA M TORRES3 | 2627 S 59TH COURT 1ST FLOOR CICERO, IL 60804 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $478 | $0 | $478 | 2.52% |
| JOHN A FRIAS3 | 1913 N WASHINGTON ST WHEATON, IL 60187 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3 | $0 | $3 | 0.02% |
| HOWARD B LABOW3 | 666 DUNDEE RD STE 1603 NORTHBROOK, IL 60062 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | $0 | $2K | 14.85% |
| FINANCIAL RENAISSANCE3 | 806 W WASHINGTON BLVD STE 202 CHICAGO, IL 60607 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | $0 | $2K | 14.83% |
| ERIKA M TORRES3 | 2627 S 59TH COURT 1ST FLOOR CICERO, IL 60804 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $397 | $0 | $397 | 2.93% |
| HOWARD B LABOW3 | 666 DUNDEE RD STE 1603 NORTHBROOK, IL 60062 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | $0 | $1K | 13.38% |
| FINANCIAL RENAISSANCE3 | 806 W WASHINGTON BLVD SUITE 202 CHICAGO, IL 60607 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | $0 | $1K | 12.90% |
| ERIKA M TORRES3 | 2627 S 59TH COURT 1ST FLOOR CICERO, IL 60804 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $194 | $0 | $194 | 1.83% |
| JOHN A FRIAS3 Filed as: JOHN A. FRIAS | 1913 N WASHINGTON ST WHEATON, IL 60187 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $8 | $0 | $8 | 0.08% |
| FINANCIAL RENAISSANCE3 | 806 W. WASHINGTON BLVD STE 202 CHICAGO, IL 60607 | 5STAR LIFE INSURANCE COMPANY | $1K | $0 | $1K | 17.18% |
| NATIONAL ENROLLMENT SERVICES3 Filed as: NATIONAL ENROLLMENT SERVICE | 450 SKOKIE BLVD STE 702 NORTHBROOK, IL 60062 | 5STAR LIFE INSURANCE COMPANY | $1K | $0 | $1K | 17.18% |
| ERIKA M TORRES3 Filed as: ERIKA TORRES | 2627 S. 59TH COURT CICERO, IL 60804 | 5STAR LIFE INSURANCE COMPANY | $69 | $0 | $69 | 1.11% |
| FINANCIAL RENAISSANCE3 | 806 W WASHINGTON BLVD STE 202 CHICAGO, IL 60607 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $634 | $0 | $634 | 18.36% |
| HOWARD B LABOW3 Filed as: HOWARD B. LABOW | 666 DUNDEE ROAD STE 1603 NORTHBROOK, IL 60062 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $630 | $0 | $630 | 18.25% |
| ERIKA M TORRES3 | 2627 S 59TH COURT 1ST FLOOR CICERO, IL 60804 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $121 | $0 | $121 | 3.50% |
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 | 477 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 5 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 484 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ILLINOIS | 135 | $785K |
| Dental | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 130 | $64K |
| Vision | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 130 | $64K |
| Life insurance(2 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 159 | $90K |
| Other(8 contracts, 4 carriers) | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 159 | $173K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 159 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.