| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HEALTH INSURANCE MART AGENCY I3 Filed as: THE HEALTH INSURANCE MART | 2917 PLUMROSE LANE MCHENRY, IL 60050 | DELTA DENTAL OF ILLINOIS | $17K | — | $17K | 10.79% |
| HEALTH INSURANCE MART AGENCY I3 Filed as: HEALTH INSURANCE MART AGENCY INC | P.O. BOX 658 MCHENRY, IL 60051 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $14K | — | $14K | 13.55% |
| THE HEALTH INS MART AGENCY3 | P.O. BOX 658 MCHENRY, IL 60051 | ONEAMERICA | $4K | — | $4K | 10.00% |
| THE HEALTH INSURANCE MAR4 | 2917 PLUMROSE LANE MCHENRY, IL 60050 | PRE-PAID LEGAL SERVICES, INC DBA LEGALSHIELD | $56 | — | $56 | 7.23% |
| FRANK A HOSTICKA4 | 112 NORTH GREEN STREET MCHENRY, IL 60050 | PRE-PAID LEGAL SERVICES, INC DBA LEGALSHIELD | $46 | — | $46 | 5.94% |
| SOLUTION BENEFITS, INC.4 Filed as: SOLUTION BENEFITS INC | 2510 BOOMER LANE YORKVILLE, IL 60560 | PRE-PAID LEGAL SERVICES, INC DBA LEGALSHIELD | $37 | — | $37 | 4.77% |
| ERIC FEINENDEGEN4 | 1719 VICTOR TERRENCE GURNEE, IL 60031 | PRE-PAID LEGAL SERVICES, INC DBA LEGALSHIELD | $26 | — | $26 | 3.35% |
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 | 542 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 542 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF ILLINOIS | 370 | $155K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 542 | $106K |
| Short-term disability | ONEAMERICA | 116 | $45K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 542 | $106K |
| Other(3 contracts, 3 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 542 | $110K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 542 | — |
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.