| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LUNDSTROM INSURANCE AGENCY3 Filed as: LUNDSTROM INS AGENCY INC | 2201 POINT BLVD STE 200 ELGIN, IL 60123 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $105K | $105K | 4.13% |
| LUNDSTROM INSURANCE AGENCY3 Filed as: LUNDSTROM INSURANCE AGENCY, INC. | 2205 POINT BLVD STE 200 ELGIN, IL 60123 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $81K | $0 | $81K | 3.69% |
| LUNDSTROM INSURANCE AGENCY3 | 2205 POINT BLVD. STE 200 ELGIN, IL 60123 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $28K | $0 | $28K | 6.73% |
| LUNDSTROM INSURANCE AGENCY3 | 2205 POINT BLVD STE 200 ELGIN, IL 60123 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $15K | $1K | $16K | 16.07% |
| LUNDSTROM INSURANCE AGENCY3 | 2205 POINT BLVD STE 200 ELGIN, IL 60123 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $13K | $1K | $14K | 16.25% |
| LUNDSTROM INSURANCE AGENCY3 Filed as: LUNDSTROM INSURANCE AGENCY, INC. | 2215 POINT BLVD STE 200 ELGIN, IL 60123 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $0 | $2K | 3.70% |
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 | 838 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 838 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 524 | $4.7M |
| Dental(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 594 | $2.6M |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 594 | $421K |
| Life insurance(3 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 594 | $579K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 290 | $86K |
| Other(4 contracts, 4 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 594 | $2.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 594 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.