| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSURANCE AGENCY LTD3 Filed as: ASSURANCE AGENCY | 1750 E GOLF RD SCHAUMBURG, IL 60173 | BLUE CROSS BLUE SHIELD OF IL | $155K | $3K | $159K | 4.61% |
| THE VAN DYKE GROUP3 | 15915 CRYSTAL CREEK DRIVE, STE H HOMER GLEN, IL 60491 | GUARDIAN | $10K | — | $10K | 6.00% |
| THE VANDYKE GROUP3 | 15915 CRYSTAL CREEK DR., STE H HOMER GLEN, IL 60491 | LINCOLN NATIONAL LIFE INSURANCE CO | $12K | — | $12K | 10.00% |
| ADVANTAGE BENEFITS GROUP3 | 89 MONROE CTR NW, NO. 200 GRAND RAPIDS, MI 49503 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $863 | $3K | 6.95% |
| THE VANDYKE GROUP3 | 15915 CRYSTAL CREEK DR., STE H HOMER GLEN, IL 60491 | LINCOLN NATIONAL LIFE INSURANCE CO | $4K | — | $4K | 15.00% |
| THE VANDYKE GROUP3 | 15915 CRYSTAL CREEK DR., STE H HOMER GLEN, IL 60491 | LINCOLN NATIONAL LIFE INSURANCE CO | $4K | — | $4K | 15.00% |
| ASSURANCE AGENCY LTD3 Filed as: ASSURANCE AGENCY | 1750 E GOLF RD SCHAUMBURG, IL 60173 | DEARBORN NATIONAL LIFE INSURANCE CO | $617 | $463 | $1K | 14.48% |
| ADVANTAGE BENEFITS GROUP3 | 89 MONROE CENTER ST NW, STE 200 GRAND RAPIDS, MI 49503 | UNITED OF OMAHA LIFE INSURANCE CO | $328 | — | $328 | 10.02% |
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 | 936 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 939 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF IL | 680 | $3.4M |
| Dental(2 contracts, 2 carriers) | GUARDIAN | 351 | $219K |
| Life insurance(3 contracts, 3 carriers) | LINCOLN NATIONAL LIFE INSURANCE CO | 656 | $136K |
| Short-term disability | LINCOLN NATIONAL LIFE INSURANCE CO | 57 | $30K |
| Long-term disability | LINCOLN NATIONAL LIFE INSURANCE CO | 656 | $125K |
| Other(5 contracts, 4 carriers) | LINCOLN NATIONAL LIFE INSURANCE CO | 936 | $174K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 936 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.