| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FINANCIAL RENAISSANCE3 | 1016 W JACKSON BLVD STE 407 CHICAGO, IL 60607 | BLUECROSS BLUESHIELD OF ILLINOIS | $38K | $788 | $39K | 4.30% |
| FINANCIAL RENAISSANCE3 | 1016 WEST JACKSON BOULEVARD SUITE 407 CHICAGO, IL 60607 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $5K | $0 | $5K | 7.87% |
| HOWARD B LABOW3 | 666 DUNDEE RD STE 1603 NORTHBROOK, IL 60062 | AMERICAN HERITAGE LIFE INSURANCE COMPANY (ALLSTATE) | $3K | $0 | $3K | 5.21% |
| FINANCIAL RENAISSANCE3 | 1016 WEST JACKSON BOULEVARD SUITE 407 CHICAGO, IL 60607 | AMERICAN HERITAGE LIFE INSURANCE COMPANY (ALLSTATE) | $2K | $0 | $2K | 4.13% |
| ERIKA M TORRES3 | 10805 LACROSSE AVENUE OAK LAWN, IL 60453 | AMERICAN HERITAGE LIFE INSURANCE COMPANY (ALLSTATE) | $396 | $0 | $396 | 0.69% |
| JOHN A FRIAS3 Filed as: JOHN A. FRIAS | 1913 NORTH WASHINGTON STREET WHEATON, IL 60187 | AMERICAN HERITAGE LIFE INSURANCE COMPANY (ALLSTATE) | $7 | $0 | $7 | 0.01% |
| FINANCIAL RENAISSANCE3 | 1016 W JACKSON BLVD SUITE 407 CHICAGO, IL 60607 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $3K | $0 | $3K | 14.13% |
| FINANCIAL RENAISSANCE3 | 806 W. WASHINGTON BLVD STE 202 CHICAGO, IL 60607 | 5STAR LIFE INSURANCE COMPANY | $145 | $0 | $145 | 3.03% |
| NATIONAL ENROLLMENT SERVICES3 Filed as: NATIONAL ENROLLMENT SERVICE | 450 SKOKIE BLVD STE 702 NORTHBROOK, IL 60062 | 5STAR LIFE INSURANCE COMPANY | $145 | $0 | $145 | 3.03% |
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 | 129 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 129 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ILLINOIS | 147 | $896K |
| Dental | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 129 | $61K |
| Vision | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 129 | $61K |
| Life insurance | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 141 | $24K |
| Short-term disability | AMERICAN HERITAGE LIFE INSURANCE COMPANY (ALLSTATE) | 115 | $58K |
| Other(3 contracts, 3 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY (ALLSTATE) | 141 | $87K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 147 | — |
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.
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.