| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WALTER LUISENRIQUE BENITEZ3 Filed as: THE WALTER COMPANY | 900 JORIE BLVD SUITE 250 OAK BROOK, IL 60523 | TOKIO MARINE HCC | $125K | — | $125K | 15.00% |
| WALTER LUISENRIQUE BENITEZ3 Filed as: THE WALTER COMPANY | 900 JORIE BLVD SUITE 250 OAK BROOK, IL 60523 | RELIASTAR LIFE INSURANCE COMPANY | $49K | — | $49K | 10.00% |
| PROFESSIONAL BENEFIT ADMINISTRATORS5 | 900 JORIE BOULEVARD SUITE 250 OAK BROOK, IL 60523 | AIG | $8K | — | $8K | 10.00% |
| WALTER LUISENRIQUE BENITEZ3 Filed as: THE WALTER COMPANY | 900 JORIE BLVD. SUITE 250 OAK BROOK, IL 60523 | CONTINENTAL CASUALTY COMPANY | $2K | — | $2K | 15.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: ARTHUR J GALLAGHER | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | CHUBB | $46 | — | $46 | 1.73% |
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 | 766 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 772 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AIG | 426 | $85K |
| Life insurance | RELIASTAR LIFE INSURANCE COMPANY | 757 | $493K |
| Long-term disability | RELIASTAR LIFE INSURANCE COMPANY | 757 | $493K |
| Stop-loss / reinsurancereinsurance | TOKIO MARINE HCC | 423 | $836K |
| Other(3 contracts, 3 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 757 | $512K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 757 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.