| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 222 S. RIVERSIDE PLZ STE 630 CHICAGO, IL 60606 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $21K | $21K | 2.41% |
| ACRISURE LLC3 | 55 SHUMAN BLVD. STE. 900 NAPERVILLE, IL 60563 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $15K | $15K | 1.76% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62889 VIRGINIA BEACH, VA 23466 | SUN LIFE ASSURANCE COMPANY OF CANADA | $3K | $3K | $6K | 14.10% |
| ACRISURE LLC3 | 1000 E WARRENVILLE RD STE. 101 NAPERVILLE, IL 60563 | SUN LIFE ASSURANCE COMPANY OF CANADA | $3K | — | $3K | 7.69% |
| ACRISURE LLC3 Filed as: ACRISURE LLC DBA WINE SERGI | 1000 EAST WARRENVILLE RD. #101 NAPERVILLE, IL 60563 | DELTA DENTAL OF ILLINOIS | $2K | — | $2K | 4.45% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61187 VIRGINIA BEACH, VA 23466 | DELTA DENTAL OF ILLINOIS | $2K | — | $2K | 3.61% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61187 VIRGINIA BEACH, VA 23466 | EYEMED VISION CARE | $977 | — | $977 | 9.98% |
| ACRISURE LLC3 | DBA WINE SERGI COMPANY 1000 EAST WARRENVILLE RD., #101 NAPERVILLE, IL 60563 | EYEMED VISION CARE | $412 | — | $412 | 4.21% |
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 | 104 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 104 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 153 | $865K |
| Dental | DELTA DENTAL OF ILLINOIS | 85 | $42K |
| Vision | EYEMED VISION CARE | 192 | $10K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 104 | $44K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 104 | $44K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 153 | $865K |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 104 | $44K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 192 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.