| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LUNDSTROM INSURANCE AGENCY3 | 2205 POINT BLVD ELGIN, IL 60123 | BLUE CROSS AND BLUE SHIELD OF ILLINOIS | $27K | $2K | $29K | 1.33% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF ILLINOIS | 2205 POINT BLVD ELGIN, IL 60123 | BLUE CROSS AND BLUE SHIELD OF ILLINOIS | $27K | — | $27K | 1.21% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF ILLINOIS | 2205 POINT BLVD ELGIN, IL 60123 | GUARDIAN | $10K | — | $10K | 7.00% |
| LUNDSTROM INSURANCE AGENCY3 | 2205 POINT BLVD ELGIN, IL 60123 | PRINCIPAL LIFE INSURANCE COMPANY | $11K | — | $11K | 8.02% |
| ACRISURE LLC3 Filed as: CORKILL INSURANCE | 25 NW POINT BLVD STE 625 ELK GROVE, IL 60007 | PRINCIPAL LIFE INSURANCE COMPANY | — | $3K | $3K | 2.04% |
| LUNDSTROM INSURANCE AGENCY3 | 2205 POINT BLVD ELGIN, IL 60123 | VISION SERVICE PLAN | $802 | — | $802 | 4.62% |
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 | 372 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 372 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF ILLINOIS | 372 | $2.2M |
| Dental | GUARDIAN | 217 | $143K |
| Vision | VISION SERVICE PLAN | 173 | $17K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 400 | $132K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 400 | $132K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 400 | $132K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 400 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.