| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AMERICAN WESTBROOK INS SERVICES LLC3 | 438 N HOUGH ST BARRINGTON, IL 600103029 | HUMANA HEALTH PLAN, INC | $35K | $1K | $37K | 7.86% |
| AMERICAN WESTBROOK INS SERVICES LLC3 | 438 N HOUGH ST BARRINGTON, IL 600103029 | HUMANA INSURANCE COMPANY | $5K | $144 | $5K | 5.88% |
| AMERICAN WESTBROOK INS SERVICES LLC3 Filed as: AMERICAN WESTBROOK INS SERVICE | 4 WESTBROOK CORP CTR STE # 500 WESTCHESTER, IL 60154 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 15.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: INSENTIAL INC | 206 S JEFFERSON SUITE # 220 CHICAGO, IL 60661 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $472 | — | $472 | 5.00% |
| AMERICAN WESTBROOK INS SERVICES LLC3 Filed as: AMERICAN WESTBROOK INS SERVICE | 4 WESTBROOK CORP CTR STE # 500 WESTCHESTER, IL 60154 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 14.99% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: INSENTIAL INC | 206 S JEFFERSON SUITE # 220 CHICAGO, IL 60661 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $386 | — | $386 | 5.00% |
| AMERICAN WESTBROOK INS SERVICES LLC3 Filed as: AMERICAN WESTBROOK INS SERVICE | FOUR WESTBROOK CORP CTR STE 500 WESTCHESTER, IL 60154 | DELTA DENTAL OF ILLINOIS | $206 | — | $206 | 3.59% |
| AMERICAN WESTBROOK INS SERVICES LLC3 Filed as: AMERICAN WESTBROOK INS SERVICE | 4 WESTBROOK CORP CTR STE # 500 WESTCHESTER, IL 60154 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $637 | — | $637 | 15.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: INSENTIAL INC | 206 S JEFFERSON SUITE # 220 CHICAGO, IL 60661 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $212 | — | $212 | 4.99% |
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 | 101 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 101 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HUMANA HEALTH PLAN, INC | 51 | $552K |
| Dental | DELTA DENTAL OF ILLINOIS | 72 | $6K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 101 | $8K |
| Short-term disability(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 101 | $12K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 40 | $9K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 101 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.