| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFIT PARTNERS GROUP LLC3 | 1850 W WINCHESTER ROAD SUITE 103 LIBERTYVILLE, IL 60048 | AETNA LIFE INSURANCE CO. | $27K | — | $27K | 2.57% |
| RUSSELL L WARYE3 Filed as: RUSSELL WARYE | 1850 W WINCHESTER ROAD SUITE 103 LIBERTYVILLE, IL 60048 | AETNA LIFE INSURANCE CO. | $26K | — | $26K | 2.51% |
| BENEFIT PARTNERS GROUP LLC3 Filed as: BENEFIT PARTNERS GROUP, LLC | — | AETNA LIFE INSURANCE CO. | — | $135 | $135 | 0.01% |
| BENEFIT PARTNERS GROUP LLC3 | 1850 WEST WINCHESTER ROAD SUITE 103 LIBERTYVILLE, IL 60048 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $10K | — | $10K | 10.66% |
| RUSSELL L WARYE3 | 1850 WEST WINCHESTER ROAD SUITE 103 LIBERTYVILLE, IL 60048 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | — | $6K | 6.34% |
| BENEFIT PARTNERS GROUP LLC3 | 1850 WEST WINCHESTER ROAD SUITE 103 LIBERTYVILLE, IL 60048 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 13.51% |
| RUSSELL L WARYE3 | 1850 WEST WINCHESTER ROAD SUITE 103 LIBERTYVILLE, IL 60048 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 8.49% |
| BENEFIT PARTNERS GROUP LLC3 | 1850 WEST WINCHESTER ROAD SUITE 103 LIBERTYVILLE, IL 60048 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 13.52% |
| RUSSELL L WARYE3 | 1850 WEST WINCHESTER ROAD SUITE 103 LIBERTYVILLE, IL 60048 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 8.48% |
| BENEFIT PARTNERS GROUP LLC3 | 1850 WEST WINCHESTER ROAD SUITE 103 LIBERTYVILLE, IL 60048 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 16.31% |
| RUSSELL L WARYE3 | 1850 WEST WINCHESTER ROAD SUITE 103 LIBERTYVILLE, IL 60048 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 10.69% |
| BENEFIT PARTNERS GROUP LLC3 | 1850 WEST WINCHESTER ROAD SUITE 103 LIBERTYVILLE, IL 60048 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 16.73% |
| RUSSELL L WARYE3 | 1850 WEST WINCHESTER ROAD SUITE 103 LIBERTYVILLE, IL 60048 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 10.27% |
| BENEFIT PARTNERS GROUP LLC3 | 1850 WEST WINCHESTER ROAD SUITE 103 LIBERTYVILLE, IL 60048 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $532 | — | $532 | 6.39% |
| RUSSELL L WARYE3 | 1850 WEST WINCHESTER ROAD SUITE 103 LIBERTYVILLE, IL 60048 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $300 | — | $300 | 3.60% |
| BENEFIT PARTNERS GROUP LLC3 | 1850 WEST WINCHESTER ROAD SUITE 103 LIBERTYVILLE, IL 60048 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $137 | — | $137 | 17.17% |
| RUSSELL L WARYE3 | 1850 WEST WINCHESTER ROAD SUITE 103 LIBERTYVILLE, IL 60048 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $78 | — | $78 | 9.77% |
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 | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | 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. | 183 | $1.1M |
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 130 | $90K |
| Vision | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 68 | $8K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 168 | $33K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 168 | $33K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 168 | $32K |
| Other(3 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 168 | $34K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 183 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.