| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RONALD WALTER CLU | 900 JORIE BOULVARD SUITE 250 OAK BROOK, IL 60523 | BERKSHIRE HATHAWAY SPECIALTY INSURANCE COMPANY | $134K | — | $134K | 15.00% |
| WALTER LUISENRIQUE BENITEZ3 Filed as: THE WALTER COMPANY | 900 JORIE BLVD SUITE 250 OAK BROOK, IL 60523 | RELIASTAR LIFE INSURANCE COMPANY | $54K | — | $54K | 10.00% |
| WALTER LUISENRIQUE BENITEZ Filed as: WALTER COMPANY | 900 JORIE BOULEVARD SUITE 250 OAK BROOK, IL 60523 | TOKIO MARINE HCC | $10K | — | $10K | 10.00% |
| GALLAGHER BENEFIT SERVICES, INC. Filed as: ARTHUR J GALLAGHER | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | FEDERAL INSURANCE COMPANY | — | — | $0 | 0.00% |
| WALTER LUISENRIQUE BENITEZ Filed as: THE WALTER GROUP | 900 JORIE BLVD SUITE 250 OAK BROOK, IL 60523 | CONTINENTAL CASUALTY COMPANY | $469 | — | $469 | 14.98% |
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 | 795 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 12 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 807 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | TOKIO MARINE HCC | 494 | $96K |
| Life insurance | RELIASTAR LIFE INSURANCE COMPANY | 822 | $541K |
| Long-term disability | RELIASTAR LIFE INSURANCE COMPANY | 822 | $541K |
| Stop-loss / reinsurancereinsurance | BERKSHIRE HATHAWAY SPECIALTY INSURANCE COMPANY | 487 | $897K |
| Other(3 contracts, 3 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 822 | $552K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 822 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.