| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NORTHERN ILLINOIS HEALTH PLAN3 | 773 W. LINCOLN BLVD. SUITE 402 FREEPORT, IL 61032 | ZURICH NORTH AMERICA | $15K | $0 | $15K | 4.48% |
| NORTHERN ILLINOIS HEALTH PLAN3 | 773 W. LINCOLN BLVD. SUITE 402 FREEPORT, IL 61032 | GUARDIAN | $8K | $0 | $8K | 5.25% |
| NORTHERN ILLINOIS HEALTH PLAN3 | 773 LINCOLN BLVD. STE. 402 FREEPORT, IL 61032 | COMPANION LIFE INSURANCE | $6K | $0 | $6K | 4.28% |
| HOWARD WEYBURG3 | 2001 JONQUIL PL ROCKFORD, IL 61107 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $10K | $0 | $10K | 15.00% |
| HOWARD WEYBURG3 | 2001 JONQUIL PL ROCKFORD, IL 61107 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $0 | $4K | 9.84% |
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 | 283 | 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) | 283 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | GUARDIAN | 200 | $297K |
| Vision | GUARDIAN | 191 | $155K |
| Life insurance(2 contracts, 2 carriers) | GUARDIAN | 291 | $221K |
| Short-term disability | GUARDIAN | 191 | $155K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 74 | $40K |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | ZURICH NORTH AMERICA | 219 | $477K |
| Other | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 291 | $66K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 291 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.