| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MYERS-BRIGGS & CO3 Filed as: MYERS BRIGGS & COMPANY | 300 SOUTH WACKER DR. SUITE 1000 CHICAGO, IL 60606 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $10K | — | $10K | 3.98% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | PO BOX 905494 CHARLOTTE, NC 282905494 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $274 | $2K | 0.97% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PLACE CHICAGO, IL 60673 | DELTA DENTAL OF ILLINOIS | $7K | — | $7K | 3.54% |
| KAMM INSURANCE GROUP3 Filed as: KAMM INSURANCE GROUP INC. | 300 SOUTH WACKER DRIVE SUITE 1000 CHICAGO, IL 60606 | DELTA DENTAL OF ILLINOIS | $5K | — | $5K | 2.74% |
| MYERS-BRIGGS & CO3 Filed as: MYERS BRIGGS & CO. INC. | 300 SOUTH WACKER DRIVE SUITE 1000 CHICAGO, IL 60606 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 8.09% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | PO BOX 905494 CHARLOTTE, NC 28290 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $48 | $3K | 7.30% |
| KAMM INSURANCE GROUP3 Filed as: KAMM INSURANCE GROUP, INC. | PO BOX 129 MEDINAH, IL 601570129 | VISION SERVICE PLAN | $879 | — | $879 | 3.19% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PLACE CHICAGO, IL 606731298 | VISION SERVICE PLAN | $382 | — | $382 | 1.39% |
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 | 275 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 277 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF ILLINOIS | 262 | $192K |
| Vision | VISION SERVICE PLAN | 232 | $28K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 286 | $299K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 286 | $258K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 286 | $258K |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 286 | $299K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 286 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.