| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON CONSULTING | 200 EAST RANDOLPH STREET CHICAGO, IL 60601 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | $4K | $10K | 2.60% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INSURANCE SVCS. | PO BOX 2158 RIVERSIDE, CA 92516 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $3K | $6K | 1.52% |
| ORLANDO R DOBRINCU3 Filed as: ORLANDO R. DOBRINCU | 837 LINDEN CIRCLE HOFFMAN ESTATES, IL 60169 | AFLAC | $13K | $892 | $14K | 5.06% |
| MJ INSURANCE3 Filed as: JEFFREY LAMBERT & VARIOUS AGENTS | 7 CENTER STREET HINSDALE, IL 60521 | AFLAC | $12K | $936 | $13K | 4.86% |
| WILLIAM S ROUSONELOS3 Filed as: WILLIAM S. ROUSONELOS | 524 CA CREST DRIVE SHOREWOOD, IL 60404 | AFLAC | $3K | $281 | $3K | 1.16% |
| RENCH BRUNDAGE LLC3 | 118 WEST BERKSHIRE AVENUE LOMBARD, IL 60148 | AFLAC | $3K | $0 | $3K | 1.12% |
| NORMA HUERTA3 | 14420 SOUTH ALBANY AVENEUE POSEN, IL 60469 | AFLAC | $2K | $0 | $2K | 0.90% |
| AARON J DUNNILL3 Filed as: AARON J. DUNNILL | 1137 EAST 5000N ROAD BOURBONNAIS, IL 60914 | AFLAC | $1K | $23 | $1K | 0.40% |
| HUERTA AND ASSOCIATES INC3 | 14420 SOUTH ALBANY AVENUE POSEN, IL 60469 | AFLAC | $925 | $0 | $925 | 0.34% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $6K | $0 | $6K | 6.37% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL | 3390 UNIVERSITY AVENUE, SUITE 300 RIVERSIDE, CA 92501 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $4K | $0 | $4K | 4.39% |
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 | 977 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 48 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,027 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 1,435 | $801K |
| Vision(2 contracts, 2 carriers) | AFLAC | 1,340 | $362K |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 518 | $646K |
| Short-term disability | AFLAC | 303 | $270K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 518 | $376K |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 518 | $646K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,435 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.