| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF IL LLC | 2205 POINT BLVD STE 200 ELGIN, IL 60123 | BLUE CROSS BLUE SHIELD OF ILLINOIS | $111K | $2K | $113K | 4.12% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF IL LLC | 2205 POINT BLVD STE 200 ELGIN, IL 60123 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $105K | — | $105K | 4.00% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF IL LLC | 2205 POINT BLVD STE 200 ELGIN, IL 60123 | GUARDIAN | $37K | $11K | $48K | 9.55% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF IL DBA LUNDST | 2205 POINT BLVD STE 200 ELGIN, IL 60123 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $12K | $69 | $12K | 15.08% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF IL LLC | 2205 POINT BLVD STE 200 ELGIN, IL 60123 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 4.00% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF IL DBA LUNDST | 2205 POINT BLVD STE 200 ELGIN, IL 60123 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | $37 | $8K | 15.07% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF IL DBA LUNDST | 2205 POINT BLVD STE 200 ELGIN, IL 60123 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $32 | $4K | 11.31% |
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 | 1,155 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,155 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF ILLINOIS | 446 | $5.4M |
| Dental(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 824 | $3.1M |
| Vision(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 824 | $3.1M |
| Life insurance(3 contracts, 3 carriers) | GUARDIAN | 824 | $658K |
| Short-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 187 | $89K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 119 | $34K |
| Other(4 contracts, 4 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 824 | $3.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 824 | — |
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.