| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSOCIATED AGENCIES, INC3 Filed as: ASSOCIATED AGENCIES, INC. | 1701 GOLF ROAD, SUITE 700 ROLLING MEADOWS, IL 600084238 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | — | $8K | 15.00% |
| ASSOCIATED AGENCIES, INC3 Filed as: ASSOCIATED AGENCIES, INC. | 1701 GOLF ROAD, SUITE 700 TOWER 3 ROLLING MEADOWS, IL 600084238 | UNION SECURITY INSURANCE COMPANY | $4K | — | $4K | 10.00% |
| ASSOCIATED AGENCIES, INC3 Filed as: ASSOCIATED AGENCIES, INC. | 1701 GOLF ROAD, SUITE 700 TOWER 3 ROLLING MEADOWS, IL 600084238 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | $726 | $7K | 16.85% |
| ASSOCIATED AGENCIES, INC3 Filed as: ASSOCIATED AGENCIES, INC. | 1701 GOLF ROAD, SUITE 700 TOWER 3 ROLLING MEADOWS, IL 600084238 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $338 | $3K | 16.78% |
| ASSOCIATED AGENCIES, INC3 Filed as: ASSOCIATED AGENCIES, INC. | 1701 GOLF ROAD, SUITE 700 ROLLING MEADOWS, IL 600084238 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $233 | $2K | 16.81% |
| ASSOCIATED AGENCIES, INC3 Filed as: ASSOCIATED AGENCIES, INC. | 1701 GOLF ROAD, SUITE 700 ROLLING MEADOWS, IL 600084238 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $634 | $85 | $719 | 17.00% |
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 | 105 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 105 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNION SECURITY INSURANCE COMPANY | 83 | $45K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 160 | $39K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 85 | $13K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 75 | $19K |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 160 | $57K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 160 | — |
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."
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.