| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INSGROUP INC3 Filed as: NORTHERN INSURANCE GROUP CHICAGO | 5153 N CLARK ST CHICAGO, IL 60640 | HUMANA HEALTH PLAN, INC | $8K | — | $8K | 4.02% |
| INSGROUP INC3 Filed as: NORTHERN INSURANCE GROUP CHICAGO | 5153 N CLARK ST CHICAGO, IL 60640 | HUMANA HEALTH PLAN, INC | $3K | — | $3K | 4.02% |
| INSGROUP INC3 Filed as: NORTHERN INSURANCE GROUP CHICAGO | 5153 N CLARK ST CHICAGO, IL 60640 | HUMANA INSURANCE COMPANY | $4K | — | $4K | 8.94% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CHICAGO FEDERATION OF MUSICIANS EIN 36-0899620 SPONSOR | Contract Administrator Service code 13 | — | $60K |
| LEGACY PROFESSIONALS LLP EIN 32-0043599 NONE | Accounting (including auditing) Service code 10 | — | $8K |
| MARGIE BERGER EIN 36-2522545 FUND ADMINISTRATOR | Plan Administrator Service code 14 | — | $6K |
| MORGAN STANLEY NONE | Custodial (securities); Investment management; Investment advisory (plan) Service code 19 | 227 W. MONROE, STE. 3400 CHICAGO, IL 60606 | $5K |
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 | 43 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 43 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | HUMANA HEALTH PLAN, INC | 22 | $272K |
| Dental | HUMANA INSURANCE COMPANY | 49 | $40K |
| Vision | HUMANA INSURANCE COMPANY | 49 | $40K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 49 | — |
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."
No prospect flags tripped on this filing.