| 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 | — | $6K | $6K | 0.21% |
| EOI SERVICE COMPANY INC3 | 1820 E 1ST STREET SUITE 400 SANTA ANA, CA 92705 | CONTINENTAL AMERICAN INSURANCE COMPANY | $548K | — | $548K | 82.44% |
| DAVISON, JAMES, DUNCAN3 Filed as: DAVISON JAMES DUNCAN | 1820 E FIRST STREET SUITE 400 SANTA ANA, CA 92705 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $491K | — | $491K | 99.75% |
| EOI SERVICE COMPANY INC3 Filed as: EOI SERVICES COMPANY INC | 1820 E 1ST STREET SUITE 400 SANTA ANA, CA 92705 | AETNA LIFE INSURANCE COMPANY | $234K | — | $234K | 60.24% |
| ROBINSON FINANCIAL GROUP INC3 | 8833 GROSS POINT ROAD SUITE 200 SKOKIE, IL 60077 | DEARBORN LIFE INSURANCE COMPANY | $20K | — | $20K | 7.16% |
| EOI SERVICE COMPANY INC3 Filed as: EOI SERVICES COMPANY INC | 1820 E FIRST STREET SUITE 400 SANTA ANA, CA 92705 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $95K | $7K | $102K | 66.68% |
| DAVIDSON JAMES DUNCAN3 | 1820 E FIRST STREET SUITE 400 SANTA ANA, CA 92705 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $16K | — | $16K | 12.05% |
| ROBINSON FINANCIAL GROUP INC3 | 8833 GROSS POINT ROAD SUITE 2 SKOKIE, IL 60077 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2 | — | $2 | 0.00% |
| EOI SERVICE COMPANY INC3 | 1820 EAST 1ST STREET SUITE 400 SANTA ANA, CA 92705 | TRANSAMERICA | $39K | — | $39K | 62.35% |
| HOLMES MURPHY & ASSOCIATES3 Filed as: HOLMES MURPHY AND ASSOCIATES INC | 2727 GRAND PRAIRIE PARKWAY WAUKEE, IA 50263 | TRANSAMERICA | $987 | — | $987 | 1.57% |
| NORA A TREVINO3 | 213 CAMPO VERDE CIRCLE SAN JUAN, TX 78589 | TRANSAMERICA | $95 | — | $95 | 0.15% |
| ROBERT G. CASIANO3 Filed as: ROBERT G CASIANO | 2231 SUNDROP BAY SAN ANTONIO, TX 78224 | TRANSAMERICA | $9 | — | $9 | 0.01% |
| DAVIDSON JAMES DUNCAN3 | 1820 E 1ST STREET SUITE 400 SANTA ANA, CA 92705 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3 | — | $3 | 3.66% |
| ROBINSON FINANCIAL GROUP INC3 | 8833 GROSS POINT ROAD SUITE 200 SKOKIE, IL 60077 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1 | — | $1 | 1.22% |
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 | 1,705 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 11 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,716 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ILLINOIS | 536 | $2.8M |
| Vision | DEARBORN LIFE INSURANCE COMPANY | 3,401 | $276K |
| Life insurance(2 contracts, 2 carriers) | DEARBORN LIFE INSURANCE COMPANY | 3,401 | $339K |
| Short-term disability | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 34 | $129K |
| Prescription drug | BLUECROSS BLUESHIELD OF ILLINOIS | 536 | $2.8M |
| Other(7 contracts, 6 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 3,401 | $2.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,401 | — |
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.