| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EUCLID MANAGERS3 | 234 SPRING LAKE DR ITASCA, IL 601433202 | UNITED HEALTHCARE INSURANCE COMPANY | $2K | $0 | $2K | 0.19% |
| SPECTRUM BENEFITS LLC3 Filed as: SPECTRUM INSURANCE GROUP, INC. | PO BOX 1168 BOURBONNAIS, IL 609147168 | UNITED HEALTHCARE INSURANCE COMPANY | — | — | $0 | 0.00% |
| THE BOON INSURANCE AGENCY3 Filed as: THE BOON INSURANCE AGENCY INC | 234 SPRING LAKE DR ITASCA, IL 601433202 | UNITED HEALTHCARE INSURANCE COMPANY | — | — | $0 | 0.00% |
| SPECTRUM BENEFITS LLC4 Filed as: SPECTRUM INSURANCE GROUP, INC. | P.O. BOX 1168 BOURBONNAIS, IL 60914 | ANTHEM INSURANCE COMPANIES, INC. | $4K | $0 | $4K | 9.99% |
| SPECTRUM BENEFITS LLC7 Filed as: SPECTRUM INSURANCE GROUP, INC. | PO BOX 1168 BOURBONNAIS, IL 60914 | ANTHEM LIFE INSURANCE COMPANY | $2K | $0 | $2K | 8.71% |
| SPECTRUM BENEFITS LLC3 Filed as: SPECTRUM INSURANCE GROUP, INC. | P.O. BOX 1168 BOURBONNAIS, IL 60914 | ANTHEM INSURANCE COMPANIES, INC. | $848 | $0 | $848 | 10.01% |
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 | 122 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 122 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 0 | $950K |
| Dental | ANTHEM INSURANCE COMPANIES, INC. | 98 | $41K |
| Vision | ANTHEM INSURANCE COMPANIES, INC. | 122 | $8K |
| Life insurance | ANTHEM LIFE INSURANCE COMPANY | 105 | $28K |
| Other | ANTHEM LIFE INSURANCE COMPANY | 105 | $28K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 122 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.