| 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. | — | — | $0 | 0.00% |
| RUSSELL L WARYE3 | 1850 WEST WINCHESTER ROAD SUITE 103 LIBERTYVILLE, IL 60048 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $12K | $4K | $16K | 23.45% |
| RUSSELL L WARYE3 | 1850 WEST WINCHESTER ROAD SUITE 103 LIBERTYVILLE, IL 60048 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | $2K | $8K | 28.73% |
| RUSSELL L WARYE3 | 1850 WEST WINCHESTER ROAD SUITE 103 LIBERTYVILLE, IL 60048 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | $2K | $7K | 28.76% |
| RUSSELL L WARYE3 | 1850 WEST WINCHESTER ROAD SUITE 103 LIBERTYVILLE, IL 60048 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $779 | $4K | 33.08% |
| RUSSELL L WARYE3 | 1850 WEST WINCHESTER ROAD SUITE 103 LIBERTYVILLE, IL 60048 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $586 | $3K | 33.84% |
| RUSSELL L WARYE3 | 1850 WEST WINCHESTER ROAD SUITE 103 LIBERTYVILLE, IL 60048 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $490 | $228 | $718 | 14.65% |
| RUSSELL L WARYE3 | 1850 WEST WINCHESTER ROAD SUITE 103 LIBERTYVILLE, IL 60048 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $208 | $47 | $255 | 33.12% |
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 | 167 | 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) | 169 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE CO. | 176 | $1.0M |
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 113 | $69K |
| Vision | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 42 | $5K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 161 | $21K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 161 | $27K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 161 | $26K |
| Other(4 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 161 | $27K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 176 | — |
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.