| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RICHARD RUSCITTI3 | 1537 N CLYBOURN AVE UNIT E CHICAGO, IL 60610 | UNITED HEALTHCARE INSURANCE COMPANY | -$8K | $101K | $94K | 3.88% |
| RICHARD RUSCITTI Filed as: RICHARD RUSCUTTI | 1537 N CLYBOURN AVE UNIT E CHICAGO, IL 60610 | DELTA DENTAL OF ILLINOIS | $10K | — | $10K | 4.99% |
| LAKE MICHIGAN BENEFIT ASSOCIATES | 800 ROOSEVELT ROAD GLEN ELLYN, IL 60137 | MONY LIFE INSURANCE COMPANY OF AMERICA | — | $34K | $34K | 23.48% |
| RICK RUSCITTI | 1537 N CLYBOURN AVE UNIT E CHICAGO, IL 60610 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $14K | — | $14K | 12.66% |
| RICHARD RUSCITTI | 1537 N CLYBOURN AVE UNIT E CHICAGO, IL 60610 | VISION SERVICE PLAN | $1K | — | $1K | 5.05% |
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 | 391 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 396 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 440 | $2.4M |
| Dental | DELTA DENTAL OF ILLINOIS | 235 | $193K |
| Vision | VISION SERVICE PLAN | 164 | $25K |
| Life insurance | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 391 | $112K |
| Short-term disability | MONY LIFE INSURANCE COMPANY OF AMERICA | 313 | $144K |
| Long-term disability | MONY LIFE INSURANCE COMPANY OF AMERICA | 313 | $144K |
| Other | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 391 | $112K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 440 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.