| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE BJORK GROUP INC3 Filed as: BJORK GROUP INC | 1033 NORTH SKOKIE BOULEVARD SUITE 210 NORTHBROOK, IL 60062 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $75K | — | $75K | 29.25% |
| THE BJORK GROUP INC3 | 1033 NORTH SKOKIE BOULEVARD SUITE 210 NORTHBROOK, IL 60062 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | $666 | $8K | 8.54% |
| THE BJORK GROUP INC3 Filed as: BJORK GROUP INC | 1033 SKOLIE BOULEVARD SUITE 300 NORTHBROK, IL 60062 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $10K | $4K | $14K | 22.83% |
| THE BJORK GROUP INC3 | 1033 NORTH SKOKIE BOULEVARD SUITE 210 NORTHBROOK, IL 60062 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $121 | $3K | 15.74% |
| THE BJORK GROUP INC3 Filed as: THE BJORK GROUP | 1033 NORTH SKOKIE BOULEVARD SUITE 210 NORTHBROOK, IL 60062 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $564 | — | $564 | 6.22% |
| BENEFIT ADVISORS NETWORK LLC3 Filed as: BENEFIT ADVISORS NETWORK | 6830 COCHRAN ROAD SOLON, OH 44139 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $2 | $2 | 0.02% |
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 | 272 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 275 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 270 | $256K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 272 | $62K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 272 | $62K |
| Life insurance(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 272 | $78K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 58 | $89K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 58 | $89K |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 270 | $256K |
| Other(3 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 272 | $87K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 272 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.