| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSURANCE AGENCY LTD3 Filed as: ASSURANCE AGENCY | 20 N. MARTINGALE RD., STE 100 SCHAUMBURG, IL 60173 | LIBERTY LIFE ASSURANCE CO OF BOSTON | $5K | $666 | $6K | 15.94% |
| SALVAGGIO GROUP INC3 | 1510 GLEN LAKE RD HOFFMAN ESTATES, IL 60169 | COLONIAL LIFE AND ACCIDENT | $97 | — | $97 | 0.87% |
| C L CONLEY3 | PO BOX 656 WINTER PARK, CO 80482 | COLONIAL LIFE AND ACCIDENT | $47 | — | $47 | 0.42% |
| H J HOROWITZ3 | 2610 ALCOTT ST CARMEL, IN 46032 | COLONIAL LIFE AND ACCIDENT | $25 | $11 | $36 | 0.32% |
| ASSURANCE AGENCY LTD3 | 1750 E GOLF RD SCHAUMBURG, IL 60173 | COLONIAL LIFE AND ACCIDENT | $17 | — | $17 | 0.15% |
| M BLOCK3 | 16619 S. PINECREEK DR LOCKPORT, IL 60441 | COLONIAL LIFE AND ACCIDENT | $11 | — | $11 | 0.10% |
| FELTER INC3 | 5403 COMMONWEALTH AVE WESTERN SPRINGS, IL 60558 | COLONIAL LIFE AND ACCIDENT | $7 | — | $7 | 0.06% |
| R STERNBERG3 | 374 MILFORD RD DEERFIELD, IL 60015 | COLONIAL LIFE AND ACCIDENT | $7 | — | $7 | 0.06% |
| J CASTELLANOS AND ASSOCIATES INC3 Filed as: J H CASTELLANOS | 7441 FIGURA DRIVE JUSTICE, IL 60458 | COLONIAL LIFE AND ACCIDENT | $6 | — | $6 | 0.05% |
| D T WEINSTEIN3 | 601 W JACKSON BLVD, UNIT 912 CHICAGO, IL 60661 | COLONIAL LIFE AND ACCIDENT | $4 | — | $4 | 0.04% |
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 | 188 | 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) | 188 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | LIBERTY LIFE ASSURANCE CO OF BOSTON | 188 | $36K |
| Short-term disability | COLONIAL LIFE AND ACCIDENT | 20 | $11K |
| Long-term disability | LIBERTY LIFE ASSURANCE CO OF BOSTON | 188 | $36K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 188 | — |
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.