| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE VAN DYKE GROUP3 | 15915 CRYSTAL CREEK DRIVE SUITE H HOMER GLEN, IL 60491 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $18K | — | $18K | 15.17% |
| THE VAN DYKE GROUP3 | 15915 CRYSTAL CREEK DRIVE SUITE H HOMER GLEN, IL 60491 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $9K | — | $9K | 10.00% |
| AXA ASSISTANCE, USA5 Filed as: AXA ASSISTANCE USA | 122 SOUTH MICHIGAN AVENUE SUITE 110 CHICAGO, IL 606036115 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $87 | $87 | 0.09% |
| THE VAN DYKE GROUP3 | 15915 CRYSTAL CREEK DRIVE SUITE H HOMER GLEN, IL 60491 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | — | $9K | 13.78% |
| THE VAN DYKE GROUP3 | 15915 CRYSTAL CREEK DRIVE SUITE H HOMER GLEN, IL 60491 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $124 | — | $124 | 1.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| COMPSYCH | Contract Administrator Service code 13 | — | $1K |
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 | 507 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 507 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(4 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 507 | $292K |
| Short-term disability(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 507 | $280K |
| Long-term disability(2 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 507 | $104K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 424 | $12K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 507 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.