| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LUNDSTROM INSURANCE AGENCY3 Filed as: LUNDSTROM INS AGENCY INC. | 2205 POINT BLVD STE 200 ELGIN, IL 60123 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $94K | $94K | 4.21% |
| LUNDSTROM INSURANCE AGENCY3 | 2205 POINT BLVD, STE 200 ELGIN, IL 60123 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $88K | $0 | $88K | 4.33% |
| LUNDSTROM INSURANCE AGENCY3 | 2205 POINT BLVD STE 200 ELGIN, IL 60123 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $26K | $0 | $26K | 6.88% |
| LUNDSTROM INSURANCE AGENCY3 | 2205 POINT BLVD, STE 200 ELGIN, IL 60123 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $12K | $1K | $13K | 18.34% |
| LUNDSTROM INSURANCE AGENCY3 | 2205 POINT BLVD, STE 200 ELGIN, IL 60123 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $10K | $847 | $11K | 17.36% |
| LUNDSTROM INSURANCE AGENCY3 | 2205 POINT BLVD., STE. 200 ELGIN, IL 60123 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $0 | $2K | 4.35% |
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 | 865 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 865 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 486 | $4.3M |
| Dental(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 486 | $2.4M |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 379 | $380K |
| Life insurance(3 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 486 | $501K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 309 | $63K |
| Other(4 contracts, 4 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 486 | $2.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 486 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.