| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JJ DOORHY BENEFITS GROUP3 | 1000 BURR RIDGE PKWY SUITE 202 BURR RIDGE, IL 60527 | UNITED HEATHCARE INSURANCE COMPANY | — | $48K | $48K | 5.26% |
| FINANCIAL SERVICE MANAGERS, INC. Filed as: FINANCIAL SERVICE MANAGER, INC | 101 BURR RIDGE PARKWAY SUITE 206 WILLOWBROOK, IL 60527 | GUARDIAN | $8K | $4K | $12K | 12.44% |
| CENTRO BENEFITS RESEARCH LLC | 325 N KIRKWOOD ROAD SUITE 300 KIRKWOOD, MO 63122 | GUARDIAN | $4K | — | $4K | 4.19% |
| HENRY J SAMAAN3 Filed as: HENRY JACOB SAMAAN | 19W152 21ST PL LOMBARD, IL 60148 | COLONIAL LIFE | $1K | $285 | $2K | 5.27% |
| JJ DOORHY BENEFITS GROUP3 | 1000 BURR RIDGE PKWY SUITE 202 BURR RIDGE, IL 60525 | COLONIAL LIFE | $2K | — | $2K | 5.16% |
| CREATIVE BENEFIT CONSULTANTS INC3 | 18214 102ND WAY S STE 100 BOCA RATON, FL 33498 | COLONIAL LIFE | $466 | — | $466 | 1.55% |
| GERALD A GREENEN3 | 472 ROUTE 47 STE F-102 SUGAR GROVE, IL 60554 | COLONIAL LIFE | $323 | $92 | $415 | 1.38% |
| MELISSA SWARD3 | 4461 NE 30TH AVE LIGHTHOUSE POINT, FL 33064 | COLONIAL LIFE | $268 | — | $268 | 0.89% |
| BETTER CHOICE HEALTH LLC3 | 4461 NE 30TH AVE LIGHTHOUSE POINT, FL 33064 | COLONIAL LIFE | $177 | — | $177 | 0.59% |
| JOSEPH A STALTARE3 | 11085 SACCO DR BOCA RATON, FL 33428 | COLONIAL LIFE | $50 | — | $50 | 0.17% |
| ANTHONY VESTAL3 | 8437 STARLIGHT LOOP PARRISH, FL 34219 | COLONIAL LIFE | $26 | — | $26 | 0.09% |
| LYNN MARIE BARRY3 | 301 W PARK AVE LANGHORNE, PA 19047 | COLONIAL LIFE | $23 | — | $23 | 0.08% |
| PETER MICHAEL FOLEY JR3 | 30 GROVESIDE RD PORTLAND, ME 04102 | COLONIAL LIFE | $19 | $0 | $19 | 0.06% |
| TONI E STEED LLC3 | 11218 WARFIELD AVE HUNTERSVILLE, NC 28078 | COLONIAL LIFE | $4 | — | $4 | 0.01% |
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 | 146 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 146 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEATHCARE INSURANCE COMPANY | 146 | $908K |
| Dental | GUARDIAN | 143 | $100K |
| Vision | GUARDIAN | 143 | $100K |
| Life insurance(2 contracts, 2 carriers) | GUARDIAN | 143 | $130K |
| Short-term disability | COLONIAL LIFE | 40 | $30K |
| Long-term disability(2 contracts, 2 carriers) | GUARDIAN | 143 | $130K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 146 | — |
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."
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.