| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KRW INSURANCE AGENCY3 Filed as: KRW INSURANCE AGENCY INC. | 338 MEMORIAL DRIVE CRYSTAL LAKE, IL 60014 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $62K | — | $62K | 14.78% |
| KRW INSURANCE AGENCY3 Filed as: KRW INSURANCE COMPANY | 338 MEMORIAL DR., STE 100 CRYSTAL LAKE, IL 60014 | HUMANA INSURANCE COMPANY | $8K | — | $8K | 7.40% |
| KRW INSURANCE AGENCY3 | 338 MEMORIAL DR., STE 100 CRYSTAL LAKE, IL 60014 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $7K | — | $7K | 19.00% |
| SHELTON BENEFITS LLC3 Filed as: SHELTON ADVISORS, INC. | 1827 W. OAKDALE DR. CHICAGO, IL 60657 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | — | $3K | $3K | 8.31% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 338 MEMORIAL DRIVE CRYSTAL LAKE, IL 60014 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 5.94% |
| KRW INSURANCE AGENCY3 | 338 MEMORIAL DR., STE 100 CRYSTAL LAKE, IL 60014 | VISION SERVICE PLAN | $1K | — | $1K | 8.00% |
| SHELTON BENEFITS LLC3 Filed as: SHELTON ADVISORS, INC. | 939 W/ NORTH AVE, STE 750 CHICAGO, IL 60642 | VISION SERVICE PLAN | $1K | — | $1K | 6.00% |
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 | 146 | 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) | 148 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 157 | $417K |
| Dental | HUMANA INSURANCE COMPANY | 115 | $106K |
| Vision | VISION SERVICE PLAN | 89 | $18K |
| Life insurance | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 146 | $35K |
| Other | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 146 | $35K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 157 | — |
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.