| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ENROLLEASE3 Filed as: STRATEGIC BENEFIT ADVISORS INC | 2625 BUTTERFIELD ROAD SUITE 109N OAK BROOK, IL 60523 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $70K | — | $70K | 13.19% |
| ENROLLEASE3 Filed as: STRATEGIC BENEFITS ADVISORS INC | 2625 BUTTERFIELD ROAD SUITE 109N OAK BROOK, IL 60523 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 9.08% |
| ENROLLEASE3 Filed as: STRATEGIC BENEFITS ADVISORS INC | 2625 BUTTERFIELD ROAD SUITE 109N OAK BROOK, IL 60523 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 9.46% |
| ENROLLEASE3 Filed as: STRATEGIC BENEFIT ADVISORS INC | 2625 BUTTERFIELD ROAD SUITE 109N OAK BROOK, IL 60523 | FIRST UNUM LIFE INSURANCE COMPANY | $33 | — | $33 | 0.14% |
| ENROLLEASE3 Filed as: STRATEGIC BENEFIT ADVISORS INC | 2625 BUTTERFIELD ROAD SUITE 109N OAK BROOK, IL 60523 | DELTA DENTAL OF ILLINOIS | — | — | $0 | 0.00% |
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 | 546 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 551 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 649 | $527K |
| Dental | DELTA DENTAL OF ILLINOIS | 355 | $14K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 649 | $527K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 540 | $57K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 141 | $70K |
| Long-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 540 | $127K |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 540 | $81K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 649 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.