| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BYRNE, BYRNE AND COMPANY3 | 120 S. LASALLE STREET, SUITE 1710 CHICAGO, IL 60603 | UNITED HEALTHCARE INSURANCE COMPANY | — | $62K | $62K | 3.78% |
| BYRNE, BYRNE AND COMPANY3 | 120 S. LASALLE STREET, SUITE 1710 CHICAGO, IL 60603 | SUN LIFE AND HEALTH INSURANCE COMPANY | $7K | — | $7K | 10.53% |
| BYRNE, BYRNE AND COMPANY3 | 120 S. LASALLE STREET, SUITE 1710 CHICAGO, IL 60604 | VISION SERVICE PLAN | $602 | — | $602 | 8.53% |
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 | 179 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 179 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 233 | $1.6M |
| Vision | VISION SERVICE PLAN | 83 | $7K |
| Life insurance | SUN LIFE AND HEALTH INSURANCE COMPANY | 179 | $62K |
| Long-term disability | SUN LIFE AND HEALTH INSURANCE COMPANY | 179 | $62K |
| Other | SUN LIFE AND HEALTH INSURANCE COMPANY | 179 | $62K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 233 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.