| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACRISURE LLC3 Filed as: CORKILL INSURANCE AGENCY INC. | 25 NORTHWEST POINT BLVD., SUITE 625 ELK GROVE VILLAGE, IL 600071033 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $54K | $54K | 6.38% |
| ACRISURE LLC3 Filed as: CORKILL INSURANCE AGENCY INC | 25 NORTHWEST POINT BLVD STE 625 ELK GROVE VILLAGE, IL 600071033 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | $2K | $9K | 11.28% |
| ACRISURE LLC3 Filed as: CORKILL INSURANCE AGENCY INC | 25 NW POINT BLVD STE 625 ELK GROVE VLG, IL 60007 | PRINCIPAL LIFE INSURANCE COMPANY | $1K | $1K | $2K | 14.53% |
| ACRISURE LLC3 Filed as: CORKILL INSURANCE AGENCY, INC. | 25 NORTHWEST POINT BLVD., SUITE 625 ELK GROVE VILLAGE, IL 60007 | NATIONAL VISION ADMINISTRATORS, LLC | $1K | — | $1K | 10.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFITS SERVICES INC | PO BOX 592 WINNEBAGO, IL 61088 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $163 | — | $163 | 3.04% |
| FELTER INC3 | 5403 COMMONWEATLH AVE WESTERN SPRINGS, IL 60558 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $90 | $8 | $98 | 1.83% |
| MICHAEL A SMITH3 | 100 E 14TH ST # 3205 CHICAGO, IL 60605 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $34 | — | $34 | 0.63% |
| ROBERT CZERWINSKI3 | 3512 STONE CREEK JOLIET, IL 60435 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | $7 | $10 | 0.19% |
| RICHARD STRUM3 | 3231 SOUTH HALSTED CHICAGO, IL 60605 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | $1 | $4 | 0.07% |
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 | 117 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 118 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 183 | $849K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 183 | $81K |
| Vision | NATIONAL VISION ADMINISTRATORS, LLC | 150 | $11K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 183 | $81K |
| Short-term disability(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 183 | $102K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 183 | $81K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 183 | $87K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 183 | — |
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.
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.