| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE HORTON GROUP3 Filed as: THE HORTON GROUP INC | 10320 ORLAND PARKWAY ORLANDO PARK, IL 60467 | BLUECROSS BLUESHIELD OF ILLINOIS | $94K | $4K | $97K | 3.53% |
| HEALTH INSURANCE MART AGENCY I3 Filed as: THE HEALTH INSURANCE MART | 2917 PLUMROSE LANE MCHENRY, IL 60050 | DELTA DENTAL OF ILLINOIS | $15K | — | $15K | 9.23% |
| HEALTH INSURANCE MART AGENCY I3 Filed as: HEALTH INSURANCE MART AGENCY INC | P.O. BOX 658 MCHENRY, IL 60051 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $16K | — | $16K | 13.39% |
| STEPHEN DAY3 | 1373 BRIDGEWATER LONG GRAVE, IL 60047 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | — | $4K | 5.66% |
| THE HEALTH INSURANCEMART AGENCY3 | PO BOX 658 MCHENRY, IL 60051 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | — | $3K | 4.01% |
| KELLY V ZURZOLO3 | 535 ABBEYWOOD DRIVE CARY, IL 60013 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 1.83% |
| MICHAEL E MCCARTHY3 | PO BOX 1047 DUNDEE, IL 60118 | CONTINENTAL AMERICAN INSURANCE COMPANY | $659 | — | $659 | 0.93% |
| DONALD J CONOYER3 | 303 HOGUE LANE WYLIE, TX 75098 | CONTINENTAL AMERICAN INSURANCE COMPANY | $643 | — | $643 | 0.91% |
| MICHAEL S MOORE3 | 2224 WEST WATERFORD COURT ROUND LAKE, IL 60073 | CONTINENTAL AMERICAN INSURANCE COMPANY | $610 | — | $610 | 0.86% |
| TAMI SPENCE3 Filed as: TAMI FEDER | 1315 OLD TIMBER LANE HOFFMAN ESTATES, IL 60192 | CONTINENTAL AMERICAN INSURANCE COMPANY | $549 | — | $549 | 0.78% |
| CHAD L NELSON3 | 490 EAST ROOSEVELT ROAD SUITE 203 WEST CHICAGO, IL 60185 | CONTINENTAL AMERICAN INSURANCE COMPANY | $317 | — | $317 | 0.45% |
| DENNIS J CASSENS3 Filed as: DENNIS CASSENS | 4646 EAST MARRILL ROAD BRYON, IL 61010 | CONTINENTAL AMERICAN INSURANCE COMPANY | $245 | — | $245 | 0.35% |
| MADELEINE NELSON3 | PO BOX 1474 FLOOR 1 ARLINGTON HEIGHTS, IL 60006 | CONTINENTAL AMERICAN INSURANCE COMPANY | $138 | — | $138 | 0.20% |
| STEPHEN KELLS3 | 514 MAYFAIR COURT GERMANTOWN HILLS, IL 61568 | CONTINENTAL AMERICAN INSURANCE COMPANY | $68 | — | $68 | 0.10% |
| TIMOTHY B ASBY3 | 9247 NORTH MERIDIAN STREET SUITE 205 INDIANAPOLIS, IN 46260 | CONTINENTAL AMERICAN INSURANCE COMPANY | $67 | — | $67 | 0.09% |
| SCOTT LYDEN3 Filed as: SCOTT F LYDEN | 1284 ROSEGATE COURT AURORA, IL 60504 | CONTINENTAL AMERICAN INSURANCE COMPANY | $43 | — | $43 | 0.06% |
| ELIZABETH A LENZO3 | 349 EAST CALIFORNIA BOULEVARD PASADENA, CA 91106 | CONTINENTAL AMERICAN INSURANCE COMPANY | $10 | — | $10 | 0.01% |
| KNUTE NELSON3 Filed as: KNUTE T NELSON | 3920 KIPLING AVENUE MINNEAPOLIS, MN 55416 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4 | — | $4 | 0.01% |
| JOSEPH A NASCA3 | 28081 WEST MAPLE AVENUE BARRINGTON, IL 60010 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| TODD DEVOSS3 | 321 NORTH CLARK STREET SUITE 625 CHICAGO, IL 60654 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| THE HEALTH INS MART AGENCY3 | P.O. BOX 658 MCHENRY, IL 60051 | AMERICAN UNITED LIFE INSURANCE COMPANY | $6K | — | $6K | 10.00% |
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 | 616 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 618 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF ILLINOIS | 434 | $2.8M |
| Dental | DELTA DENTAL OF ILLINOIS | 381 | $160K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 557 | $123K |
| Short-term disability | AMERICAN UNITED LIFE INSURANCE COMPANY | 156 | $60K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 557 | $123K |
| Other(3 contracts, 3 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 557 | $196K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 557 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.