| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSURANCE AGENCY LTD3 | 1750 E GOLF RD, FL 11TH SCHAUMBURG, IL 60173 | UNITED HEALTHCARE INSURANCE COMPANY | $250K | — | $250K | 6.01% |
| ASSURANCE AGENCY LTD3 | ONE CENTURY CENTRE 1750 EAST GOLF RD SCHAUMBURG, IL 60173 | SUN LIFE ASSURANCE CO OF CANADA | $174K | $32K | $206K | 6.61% |
| ASSURANCE AGENCY LTD3 | ONE CENTURY CENTRE 1750 EAST GOLF RD SCHAUMBURG, IL 60173 | AMERICAN HERITAGE LIFE INSURANCE | $112K | — | $112K | 11.82% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ILLINOIS INC C/O INNOTECH | 233 S WACKER DR., STE 1875 CHICAGO, IL 60606 | AMERICAN HERITAGE LIFE INSURANCE | $15K | — | $15K | 1.60% |
| FRINGE INSURANCE BENEFITS, INC.3 Filed as: FRINGE INS BENEFITS INC | 11910 ANDERSON MILL ROAD AUSTIN, TX 78726 | AMERICAN HERITAGE LIFE INSURANCE | $2K | — | $2K | 0.17% |
| ASSURANCE AGENCY LTD3 | 1750 E GOLF RD, FL 11TH SCHAUMBURG, IL 60173 | UNITED HEALTHCARE INSURANCE COMPANY | $64K | — | $64K | 10.74% |
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 | 11,509 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 43 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 11,552 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE | 2,491 | $1.2M |
| Dental | UNITED HEALTHCARE INSURANCE COMPANY | 6,419 | $4.2M |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 5,603 | $593K |
| Life insurance | SUN LIFE ASSURANCE CO OF CANADA | 12,909 | $3.1M |
| Short-term disability | SUN LIFE ASSURANCE CO OF CANADA | 12,909 | $3.1M |
| Long-term disability | SUN LIFE ASSURANCE CO OF CANADA | 12,909 | $3.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 12,909 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.