| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KAMM INSURANCE GROUP | 300 SOUTH WACKER DRIVE SUITE 1000 CHICAGO, IL 60606 | HEALTH CARE SERVICE CORPORATION | $146K | $1K | $147K | 5.55% |
| KAMM INSURANCE GROUP | 300 SOUTH WACKER DRIVE SUITE 1000 CHICAGO, IL 60606 | HEALTH CARE SERVICE CORPORATION | $39K | $2K | $41K | 5.90% |
| MYERS-BRIGGS & CO Filed as: MYERS BRIGGS & CO INC | 300 SOUTH WACKER DRIVE SUITE 1000 CHICAGO, IL 60606 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $12K | — | $12K | 6.10% |
| KAMM INSURANCE GROUP | 300 SOUTH WACKER DRIVE SUITE 1000 CHICAGO, IL 60606 | DELTA DENTAL OF ILLINOIS | $12K | — | $12K | 7.43% |
| MYERS-BRIGGS & CO Filed as: MYERS BRIGGS & CO INC | 300 SOUTH WACKER DRIVE SUITE 1000 CHICAGO, IL 60606 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 15.01% |
| KAMM INSURANCE GROUP Filed as: KAMM INSURANCE GROUP, INC. | P.O. BOX 129 MEDINAH, IL 601570129 | VISION SERVICE PLAN | $1K | — | $1K | 5.21% |
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 | 256 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 11 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 8 | Vested but not currently using benefits. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 275 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | HEALTH CARE SERVICE CORPORATION | 682 | $3.3M |
| Dental | DELTA DENTAL OF ILLINOIS | 257 | $165K |
| Vision | VISION SERVICE PLAN | 210 | $23K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 267 | $190K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 267 | $190K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 267 | $190K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 124 | $41K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 682 | — |
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.