| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AG AND ASSOCIATES3 Filed as: ASSOCIATES IN FINANCIAL PLANNING | — | BLUECROSS BLUESHIELD OF ILLINOIS | $47K | $0 | $47K | 3.00% |
| AG AND ASSOCIATES3 Filed as: ASSOCIATES IN FINANCIAL PLANNING | 600 GREEN BAY ROAD KENILWORTH, IL 60043 | AMERITAS LIFE INSURANCE CORP. | $11K | $0 | $11K | 10.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: INSENTIAL INC | 216 SOUTH JEFFERSON STREET SUITE LL2 CHICAGO, IL 60661 | AMERITAS LIFE INSURANCE CORP. | $5K | $0 | $5K | 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 | 9.69% |
| AG AND ASSOCIATES3 Filed as: ASSOCIATES IN FINANCIAL PLANNING | 633 SKOKIE BOULEVARD SUITE 480 NORTHBROOK, IL 60062 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $927 | $0 | $927 | 12.40% |
| ASSOCIATES IN FIN PLANNING INC3 | 633 SKOKIE BLVD STE 480 NORTHBROOK, IL 60062 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $621 | $0 | $621 | 14.99% |
| ASSOCIATES IN FIN PLANNING INC3 | 600 GREEN BAY RD KENILWORTH, IL 60043 | SUN LIFE ASSURANCE COMPANY OF CANADA | $395 | $0 | $395 | 10.00% |
| BENEFIT SERVICES PLUS INC3 | 8304 MANGO AVE MORTON GROVE, IL 60053 | SUN LIFE ASSURANCE COMPANY OF CANADA | $116 | $0 | $116 | 2.94% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: INSENTIAL INC DBA SOURCE 1 BENEFIT | 216 S JEFFERSON LL2 CHICAGO, IL 60661 | SUN LIFE ASSURANCE COMPANY OF CANADA | $81 | $0 | $81 | 2.05% |
| AG AND ASSOCIATES3 Filed as: ASSOCIATES IN FINANCIAL PLANNING | 633 SKOKIE BLVD STE 480 NORTHBROOK, IL 60062 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $204 | $0 | $204 | 6.67% |
| ASSOCIATES IN FIN PLANNING INC3 | 633 SKOKIE BLVD STE 480 NORTHBROOK, IL 60062 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $290 | $0 | $290 | 15.01% |
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 | 179 | 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) | 179 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ILLINOIS | 207 | $1.6M |
| Dental(2 contracts, 2 carriers) | AMERITAS LIFE INSURANCE CORP. | 179 | $111K |
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 147 | $19K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 11 | $7K |
| Long-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 11 | $9K |
| Other(3 contracts, 2 carriers) | DEARBORN LIFE INSURANCE COMPANY | 147 | $26K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 207 | — |
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.