| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AG AND ASSOCIATES3 Filed as: ASSOCIATES IN FINANCIAL PLANNING | — | BLUECROSS BLUESHIELD OF ILLINOIS | $37K | $0 | $37K | 3.00% |
| AG AND ASSOCIATES3 Filed as: ASSOCIATES IN FINANCIAL PLANNING | 600 GREEN BAY ROAD KENILWORTH, IL 60043 | AMERITAS LIFE INSURANCE CORP. | $9K | $0 | $9K | 10.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: INSENTIAL INC | 206 SOUTH JEFFERSON STREET SUITE 200 CHICAGO, IL 60661 | AMERITAS LIFE INSURANCE CORP. | $4K | $0 | $4K | 5.00% |
| ASSOCIATES IN FIN PLANNING INC3 Filed as: ASSOCIATES IN FIN'L PLANNING INC | 600 GREEN BAY ROAD KENILWORTH, IL 60043 | DEARBORN LIFE INSURANCE COMPANY | $2K | $0 | $2K | 8.32% |
| AG AND ASSOCIATES3 Filed as: ASSOCIATES IN FINANCIAL PLANNING | 633 SKOKIE BOULEVARD SUITE 480 NORTHBROOK, IL 60062 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $0 | $1K | 12.27% |
| ASSOCIATES IN FIN PLANNING INC3 | 633 SKOKIE BLVD STE 480 NORTHBROOK, IL 60062 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $0 | $1K | 15.00% |
| ASSOCIATES IN FIN PLANNING INC3 | 633 SKOKIE BLVD STE 480 NORTHBROOK, IL 60062 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $547 | $0 | $547 | 15.00% |
| ASSOCIATES IN FIN PLANNING INC3 | 600 GREEN BAY RD KENILWORTH, IL 60043 | SUN LIFE ASSURANCE COMPANY OF CANADA | $457 | $0 | $457 | 17.10% |
| BENEFIT SERVICES PLUS INC3 | 8304 MANGO AVE MORTON GROVE, IL 60053 | SUN LIFE ASSURANCE COMPANY OF CANADA | $228 | $0 | $228 | 8.53% |
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 | 195 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 10 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 205 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ILLINOIS | 204 | $1.2M |
| Dental(2 contracts, 2 carriers) | AMERITAS LIFE INSURANCE CORP. | 299 | $88K |
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 183 | $24K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 12 | $9K |
| Long-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 12 | $13K |
| Other(2 contracts, 2 carriers) | DEARBORN LIFE INSURANCE COMPANY | 183 | $32K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 299 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.