| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSURANCE AGENCY LTD3 | 1750 E GOLF ROAD SCHAUMBURG, IL 60173 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $316 | $14 | $330 | 4.36% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 55 E JACKSON STE 600 CHICAGO, IL 606049300 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $201 | — | $201 | 2.65% |
| CROSBY AND HENRY INC.3 | 590 CASCADE PKWY SE GRAND RAPIDS, MI 49546 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $127 | — | $127 | 1.68% |
| ASSURANCE AGENCY LTD3 | 1750 E GOLF RD SCHAUMBURG, IL 60173 | DELTA DENTAL OF OHIO | $117 | — | $117 | 4.20% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC | 5664 PRAIRIE CREEK DR SE CALEDONIA, MI 49316 | DELTA DENTAL OF OHIO | $71 | — | $71 | 2.55% |
| ASSURANCE AGENCY LTD3 | 1750 E GOLF ROAD SCHAUMBURG, IL 60173 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $92 | $3 | $95 | 5.93% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | 55 E JACKSON STE 600 CHICAGO, IL 606049300 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $36 | — | $36 | 2.25% |
| CROSBY AND HENRY INC.3 | 590 CASCADE PKWY SE GRAND RAPIDS, MI 49546 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $9 | — | $9 | 0.56% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC | 5664 PRAIRIE CREEK DR SE CALEDONIA, MI 493168081 | VISION SERVICE PLAN | $10 | — | $10 | 1.72% |
| ASSURANCE AGENCY LTD3 Filed as: ASSURANCE AGENCY, LTD. | 1750 E GOLF RD STE 140 CHICAGO, IL 60173 | VISION SERVICE PLAN | $10 | — | $10 | 1.72% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 15162 COLLECTION CENTER DR CHICAGO, IL 606930001 | VISION SERVICE PLAN | $8 | — | $8 | 1.38% |
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 | 278 | 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) | 278 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF OHIO | 5 | $3K |
| Vision | VISION SERVICE PLAN | 7 | $581 |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 278 | $9K |
| Other(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 278 | $9K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 278 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.