| 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 | — | $4K | $4K | 0.17% |
| DAVIDSON JAMES DUNCAN3 | 1820 E 1ST STREET SUITE 400 SANTA ANA, CA 92705 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $482K | — | $482K | 67.61% |
| ROBINSON FINANCIAL GROUP INC3 | 8833 GROSS POINT ROAD SUITE 200 SKOKIE, IL 60077 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $145 | — | $145 | 0.02% |
| EOI SERVICE COMPANY INC3 | 1820 EAST 1ST STREET SUITE 400 SANTA ANA, CA 92705 | TRANSAMERICA | $510K | — | $510K | 93.14% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES INC | PO BOX 9207 DES MOINES, IA 503069207 | TRANSAMERICA | $15K | — | $15K | 2.81% |
| NORA A TREVINO3 | 213 CAMPO VERDE CIRCLE SAN JUAN, TX 78589 | TRANSAMERICA | $511 | — | $511 | 0.09% |
| ROBERT G. CASIANO3 Filed as: ROBERT G CASIANO | 2231 SUNDROP BAY SAN ANTONIO, TX 78224 | TRANSAMERICA | $57 | — | $57 | 0.01% |
| CARRI L SHEETS3 | 2380 BAYOU LANE APT 5 NAPLES, FL 34112 | TRANSAMERICA | $12 | — | $12 | 0.00% |
| IVY BANKS3 Filed as: IVY J MASON | 882 N SHADY OAKS DRIVE ELGIN, IL 60120 | TRANSAMERICA | $8 | — | $8 | 0.00% |
| EOI SERVICE COMPANY INC3 | 1820 E 1ST STREET SUITE 400 SANTA ANA, CA 92705 | HARTFORD LIFE AND ACCIDENT | $294K | — | $294K | 70.00% |
| ROBINSON FINANCIAL GROUP INC3 | 8833 GROSS POINT ROAD SUITE 200 SKOKIE, IL 60077 | DEARBORN LIFE INSURANCE COMPANY | $19K | $13K | $32K | 12.20% |
| EOI SERVICE COMPANY INC3 | 900 N FRANKLIN STREET SUITE 600 CHICAGO, IL 60610 | CONTINENTAL AMERICAN INSURANCE COMPANY | $150K | — | $150K | 58.93% |
| DAVIDSON JAMES DUNCAN3 | 1820 E FIRST STREET SUITE 400 SANTA ANA, CA 92705 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 5.20% |
| ROBINSON FINANCIAL GROUP INC3 | 8833 GROSS POINT ROAD SUITE 2 SKOKIE, IL 60077 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $919 | — | $919 | 1.95% |
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 | 1,642 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,648 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ILLINOIS | 471 | $2.5M |
| Vision | DEARBORN LIFE INSURANCE COMPANY | 3,430 | $261K |
| Life insurance(3 contracts, 3 carriers) | TRANSAMERICA | 3,430 | $856K |
| Short-term disability | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 1,310 | $713K |
| Prescription drug | BLUECROSS BLUESHIELD OF ILLINOIS | 471 | $2.5M |
| Other(4 contracts, 4 carriers) | TRANSAMERICA | 3,430 | $1.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,430 | — |
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.