| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROBINSON FINANCIAL GROUP INC3 | 8833 GROSS POINT ROAD SUITE 200 SKOKIE, IL 600771859 | BLUECROSS BLUESHIELD OF ILLINOIS | $53K | $6K | $59K | 2.87% |
| JAMES DUNCAN DAVIDSON3 | 1820 E FIRST STREET SUITE 400 SANTA ANA, CA 92705 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $167K | — | $167K | 29.62% |
| ROBINSON FINANCIAL GROUP INC3 | 8833 GROSS POINT ROAD SUITE 200 SKOKIE, IL 60077 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $54K | — | $54K | 9.50% |
| EOI SERVICE COMPANY INC3 Filed as: EDI SERVICE COMPANY INC | 1820 E 1ST STREET SUITE 400 SANTA ANA, CA 927054078 | METROPOLITAN LIFE INSURANCE COMPANY | $92K | -$3 | $92K | 27.33% |
| ROBINSON FINANCIAL GROUP INC3 | 8833 GROSS POINT ROAD SUITE 200 SKOKIE, IL 600771859 | METROPOLITAN LIFE INSURANCE COMPANY | $39K | $692 | $40K | 11.92% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: INSENTIAL INC DBA SOURCE 1 BENEFITS | 206 S JEFFERSON STREET SUITE 200 CHICAGO, IL 606615639 | METROPOLITAN LIFE INSURANCE COMPANY | $16K | $4K | $20K | 5.96% |
| JAMES DUNCAN DAVIDSON3 | 1820 E FIRST STREET SUITE 400 SANTA ANA, CA 92705 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $97K | — | $97K | 31.99% |
| ROBINSON FINANCIAL GROUP INC3 | 8833 GROSS POINT ROAD SUITE 400 SKOKIE, IL 60077 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $41K | — | $41K | 13.45% |
| EOI SERVICE COMPANY INC3 Filed as: EDI SERVICE COMPANY INC | 1820 E 1ST STREET SUITE 400 SANTA ANA, CA 927054078 | METROPOLITAN LIFE INSURANCE COMPANY | $60K | -$4 | $60K | 29.97% |
| ROBINSON FINANCIAL GROUP INC3 | 8833 GROSS POINT ROAD SUITE 200 SKOKIE, IL 600771859 | METROPOLITAN LIFE INSURANCE COMPANY | $26K | $445 | $26K | 13.06% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: INSENTIAL INC DBA SOURCE 1 BENEFITS | 206 S JEFFERSON STREET SUITE 200 CHICAGO, IL 606615639 | METROPOLITAN LIFE INSURANCE COMPANY | $10K | $2K | $12K | 6.11% |
| ROBINSON FINANCIAL GROUP INC3 | 8833 GROSS POINT ROAD SUITE 200 SKOKIE, IA 600771859 | METROPOLITAN LIFE INSURANCE COMPANY | $12K | $1K | $13K | 6.62% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: INSENTIAL INC DBA SOURCE 1 BENEFITS | 206 S JEFFERSON STREET SUITE 200 CHICAGO, IL 606615639 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | $2K | $11K | 5.89% |
| EOI SERVICE COMPANY INC3 Filed as: EOI | 1820 EAST 1ST STREET SUITE 400 SANTA ANA, CA 92075 | COMBINED INSURANCE | $117K | — | $117K | 60.80% |
| ROBINSON FINANCIAL GROUP INC3 Filed as: THE ROBINSON FINANCIAL GROUP | 8833 N GROSS POINT ROAD SUITE 200 SKOKIE, IA 60077 | COMBINED INSURANCE | $56K | — | $56K | 29.03% |
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 | 1,172 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 12 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,184 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF ILLINOIS | 2,778 | $2.4M |
| Dental | BLUECROSS BLUESHIELD OF ILLINOIS | 434 | $2.1M |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 3,281 | $195K |
| Life insurance(2 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 3,281 | $498K |
| Short-term disability | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 959 | $564K |
| Prescription drug | BLUECROSS BLUESHIELD OF ILLINOIS | 434 | $2.1M |
| Other(3 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 3,281 | $588K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,281 | — |
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."
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.