| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PARAGON PARTNERS LTD3 | 9420 E DOUBLETREE RANCH RD STE C103 SCOTTSDALE, AZ 85258 | UNITEDHEALTHCARE INSURANCE COMPANY | $22K | $2K | $24K | 2.84% |
| MITCHELL HECTOR MORALES3 Filed as: MITCHELL H LEWE | 2322 PHILLIPS DR GLENVIEW, IL 60026 | UNITEDHEALTHCARE INSURANCE COMPANY | $17K | $2K | $20K | 2.34% |
| JAMES P PATRICIAN3 | 923 N PLUM GROVE RD STE C SHAUMBURG, IL 60173 | UNITEDHEALTHCARE INSURANCE COMPANY | $17K | — | $17K | 2.06% |
| JIM PATRICIAN3 | 1580 CREEKS CROSSING SR ALGONQUIN, IL 60102 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $9K | $677 | $10K | 15.73% |
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 | 132 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 132 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 206 | $843K |
| Life insurance | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 85 | $62K |
| Short-term disability | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 85 | $62K |
| Long-term disability | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 85 | $62K |
| Other | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 85 | $62K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 206 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.