| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 | 4350 WEAVER PARKWAY WARRENVILLE, IL 60555 | BLUE CROSS AND BLUE SHIELD OF ILLINOIS | $36K | $2K | $38K | 4.21% |
| CIMCO CAPITAL, LLC3 | 2015 SPRING ROAD OAK BROOK, IL 60523 | BLUE CROSS AND BLUE SHIELD OF ILLINOIS | $0 | $2 | $2 | 0.00% |
| ASSUREDPARTNERS3 | 4350 WEAVER PARKWAY WARRENVILLE, IL 60555 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $553 | $4K | 4.96% |
| ASSUREDPARTNERS3 | 18-3 EAST DUNDEE ROAD, SUITE 310 BARRINGTON, IL 60010 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $553 | $4K | 4.96% |
| ASSUREDPARTNERS3 | 18-3 EAST DUNDEE ROAD, SUITE 310 BARRINGTON, IL 60010 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | $1K | $5K | 7.74% |
| ASSUREDPARTNERS3 | 4 WESTBROOK CORPORATE CENTER SUITE 500 WESTCHESTER, IL 60154 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | $0 | $3K | 4.52% |
| THE HUNKEN AGENCY, INC.3 | UNKNOWN OAK BROOK, IL 60523 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $64 | $0 | $64 | 0.10% |
| ASSUREDPARTNERS3 | 4350 WEAVER PARKWAY WARRENVILLE, IL 60555 | VISION SERVICE PLAN | $780 | $0 | $780 | 7.21% |
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 | 103 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 103 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF ILLINOIS | 120 | $896K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 103 | $64K |
| Vision | VISION SERVICE PLAN | 98 | $11K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 103 | $64K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 102 | $76K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 102 | $76K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF ILLINOIS | 120 | $896K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 103 | $64K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 120 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.