| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSURANCE AGENCY LTD3 Filed as: ASSURANCE AGENCY | 1750 E GOLF RD SCHAUMBURG, IL 60173 | LINCOLN NATIONAL LIFE INSURANCE CO | $14K | $198 | $15K | 15.21% |
| ASSURANCE AGENCY LTD3 Filed as: ASSURANCE AGENCY | 1750 E GOLF RD SCHAUMBURG, IL 60173 | LINCOLN NATIONAL LIFE INSURANCE CO | $5K | $124 | $5K | 8.56% |
| ASSURANCE AGENCY LTD3 Filed as: ASSURANCE AGENCY | 1 CENTURY CENTER 1750 EAST GOLF ROAD OSAGE BEACH, IL 60173 | GUARDIAN | $11K | — | $11K | 37.30% |
| ASSURANCE AGENCY LTD3 Filed as: ASSURANCE AGENCY | 1750 E GOLF ROAD SCHAUMBURG, IL 60173 | EYE MED VISION CARE | $2K | — | $2K | 8.30% |
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 | 274 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 45 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 319 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision(2 contracts, 2 carriers) | GUARDIAN | 636 | $58K |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE CO | 313 | $96K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE CO | 313 | $56K |
| Other(2 contracts, 2 carriers) | LINCOLN NATIONAL LIFE INSURANCE CO | 383 | $148K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 636 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.