| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RUSSELL L WARYE3 Filed as: RUSSELL WARYE | 1850 W WINCHESTER ROAD SUITE 103 LIBERTYVILLE, IL 60048 | AETNA LIFE INSURANCE CO. | — | $12K | $12K | 1.27% |
| ASSURANCE AGENCY LTD3 | ONE CENTURY CENTRE 1750 E GOLF ROAD, SUITE 1100 SCHAUMBURG, IL 60173 | DEARBORN NATIONAL LIFE INSRUANCE COMPANY | $3K | $5K | $8K | 13.64% |
| RUSSELL L WARYE3 | 1850 WEST WINCHESTER ROAD SUITE 103 LIBERTYVILLE, IL 60048 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 17.00% |
| ASSURANCE AGENCY LTD3 | ONE CENTURY CENTRE 1750 E GOLF ROAD SCHAUMBURG, IL 60173 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $432 | $2K | 13.89% |
| ASSURANCE AGENCY LTD3 | ONE CENTURY CENTRE 1750 E GOLF ROAD SCHAUMBURG, IL 60173 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $435 | $3K | 17.80% |
| RUSSELL L WARYE3 | 1850 WEST WINCHESTER ROAD SUITE 103 LIBERTYVILLE, IL 60048 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 22.00% |
| RUSSELL L WARYE3 | 1850 WEST WINCHESTER ROAD SUITE 103 LIBERTYVILLE, IL 60048 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 21.99% |
| ASSURANCE AGENCY LTD3 | ONE CENTURY CENTRE 1750 E GOLF ROAD SCHAUMBURG, IL 60173 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $774 | $228 | $1K | 14.59% |
| ASSURANCE AGENCY LTD3 | ONE CENTURY CENTRE 1750 E GOLF ROAD SCHAUMBURG, IL 60173 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $700 | $183 | $883 | 15.56% |
| RUSSELL L WARYE3 | 1850 WEST WINCHESTER ROAD SUITE 103 LIBERTYVILLE, IL 60048 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $656 | — | $656 | 26.98% |
| RUSSELL L WARYE3 | 1850 W WINCHESTER ROAD SUITE 103 LIBERTYVILLE, IL 60048 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1 | — | $1 | 0.11% |
| ASSURANCE AGENCY LTD3 | ONE CENTURY CENTRE 1750 E GOLF ROAD SCHAUMBURG, IL 60173 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $116 | $21 | $137 | 19.88% |
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 | 158 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 158 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE CO. | 187 | $921K |
| Dental(2 contracts, 2 carriers) | DEARBORN NATIONAL LIFE INSRUANCE COMPANY | 116 | $78K |
| Vision | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 42 | $950 |
| Life insurance(3 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 161 | $15K |
| Short-term disability(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 161 | $24K |
| Long-term disability(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 161 | $23K |
| Other(5 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 161 | $17K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 187 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.