| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DAVID DANZIG & ASSOCIATES3 Filed as: DAVID DANZIG & ASSOCIATES INC | 570 LAKE COOK RD STE 210 DEERFIELD, IL 60015 | HUMANA HEALTH PLAN, INC. | $10K | — | $10K | 2.73% |
| LAMB LITTLE & CO3 | 1101 PERIMETER DR STE 500 SCHAUMBURG, IL 60173 | HUMANA HEALTH PLAN, INC. | $2K | — | $2K | 0.62% |
| DAVID DANZIG & ASSOCIATES3 Filed as: DAVID DANZIG & ASSOCIATES INC | 570 LAKE COOK ROAD SUITE 210 DEERFIELD, IL 60015 | HUMANA INSURANCE COMPANY | $3K | $78 | $3K | 2.64% |
| LAMB LITTLE & CO3 | 1101 PERIMETER DRIVE SUITE 500 SCHAUMBURG, IL 60173 | HUMANA INSURANCE COMPANY | $521 | — | $521 | 0.48% |
| EUCLID INSURANCE SERVICES INC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $3K | $6K | 16.26% |
| D D & A INC DBA DAVID DANZIG & ASSO3 Filed as: DD&D INC/DAVID DANZIG & ASSOC | 570 LAKE COOK RD STE 210 DEERFIELD, IL 60015 | DELTA DENTAL OF ILLINOIS | $2K | — | $2K | 5.68% |
| LAMB LITTLE & CO3 Filed as: LAMB LITTLE & COMPANY | — | DELTA DENTAL OF ILLINOIS | $699 | — | $699 | 2.54% |
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 | 93 | 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) | 93 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HUMANA HEALTH PLAN, INC. | 51 | $474K |
| Dental | DELTA DENTAL OF ILLINOIS | 55 | $28K |
| Vision | HUMANA INSURANCE COMPANY | 51 | $108K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 94 | $36K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 94 | $36K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 94 | $36K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 94 | $36K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 94 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.