| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LUNDSTROM INSURANCE AGENCY3 | 2205 POINT BLVD SUITE 200 ELGIN, IL 60123 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $93K | $93K | 4.17% |
| LUNDSTROM INSURANCE AGENCY3 | 2205 POINT BLVD SUITE 200 ELGIN, IL 60123 | CIGNA LIFE AND HEALTH INSURANCE COMPANY | $64K | $0 | $64K | 4.01% |
| LUNDSTROM INSURANCE AGENCY3 | 2205 POINT BLVD STE 200 ELGIN, IL 60123 | THE GUARDIAN LIFE INSURANCE COMPANY OF NORTH AMERICA | $25K | $5K | $29K | 8.13% |
| LUNDSTROM INSURANCE AGENCY3 | 2205 POINT BLVD SUITE 200 ELGIN, IL 60123 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $13K | $1K | $14K | 16.25% |
| LUNDSTROM INSURANCE AGENCY3 | 2205 POINT BLVD SUITE 200 ELGIN, IL 60123 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $11K | $936 | $12K | 16.12% |
| LUNDSTROM INSURANCE AGENCY3 | 2205 POINT BLVD SUITE 200 ELGIN, IL 60123 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $0 | $2K | 4.02% |
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 | 809 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 809 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 452 | $3.8M |
| Dental(2 contracts, 2 carriers) | CIGNA LIFE AND HEALTH INSURANCE COMPANY | 562 | $2.0M |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF NORTH AMERICA | 562 | $361K |
| Life insurance(3 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF NORTH AMERICA | 562 | $498K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 303 | $75K |
| Other(4 contracts, 4 carriers) | CIGNA LIFE AND HEALTH INSURANCE COMPANY | 562 | $2.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 562 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.