| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FINANCIAL RENAISSANCE3 | 1016 W JACKSON BLVD SUITE 407 CHICAGO, IL 60607 | BLUECROSS BLUESHIELD OF ILLINOIS | $33K | $938 | $34K | 3.82% |
| FINANCIAL RENAISSANCE3 | 1016 WEST JACKSON BOULEVARD SUITE 407 CHICAGO, IL 60607 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | $1K | $6K | 10.12% |
| ANTHONY M SIMONETTA3 | 1303 SHEFFIELD COURT CAROL STREAM, IL 60188 | AMERICAN HERITAGE LIFE INSURANCE COMPANY (ALLSTATE) | $4K | $0 | $4K | 7.30% |
| FINANCIAL RENAISSANCE3 | 1016 WEST JACKSON BOULEVARD SUITE 407 CHICAGO, IL 60607 | AMERICAN HERITAGE LIFE INSURANCE COMPANY (ALLSTATE) | $4K | $0 | $4K | 6.65% |
| HOWARD B LABOW3 | 666 DUNDEE RD SUITE 1603 NORTHBROOK, IL 60062 | AMERICAN HERITAGE LIFE INSURANCE COMPANY (ALLSTATE) | $1K | $0 | $1K | 2.50% |
| ERIKA M TORRES3 | 10805 LACROSSE AVENUE OAK LAWN, IL 60453 | AMERICAN HERITAGE LIFE INSURANCE COMPANY (ALLSTATE) | $158 | $0 | $158 | 0.29% |
| JOHN A FRIAS3 | 1913 N WASHINGTON STREET WHEATON, IL 60187 | AMERICAN HERITAGE LIFE INSURANCE COMPANY (ALLSTATE) | $2 | $0 | $2 | 0.00% |
| FINANCIAL RENAISSANCE3 | 1016 W JACKSON BLVD SUITE 407 CHICAGO, IL 60607 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $3K | $0 | $3K | 14.51% |
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 | 119 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 15 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 142 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ILLINOIS | 125 | $897K |
| Dental | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 114 | $57K |
| Vision | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 114 | $57K |
| Life insurance(2 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY (ALLSTATE) | 113 | $76K |
| Short-term disability | AMERICAN HERITAGE LIFE INSURANCE COMPANY (ALLSTATE) | 43 | $55K |
| Other(2 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY (ALLSTATE) | 113 | $76K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 125 | — |
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.