| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES INC | 1250 CAPITAL OF TEXAS HWY BLD 2 STE AUSTIN, TX 78746 | BLUECROSS BLUESHIELD OF ILLINOIS | $22K | $3K | $25K | 2.82% |
| ASSURANCE AGENCY LTD3 | 1750 E GOLF ROAD SCHAUMBURG, IL 60173 | BLUECROSS BLUESHIELD OF ILLINOIS | $13K | — | $13K | 1.46% |
| SCHWARTZ BENEFIT SERVICES INC3 Filed as: SCHWARTZ BENEFIT SERVICES | ONE SOUTH WACKER DRIVE 36TH FLOOR CHICAGO, IL 60606 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $10K | — | $10K | 7.41% |
| ASSURANCE AGENCY LTD3 | 1750 EAST GOLF ROAD OSAGE BEACH, IL 60173 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 5.00% |
| ASSURANCE AGENCY LTD3 | 1750 E GOLF RD SCHAUMBURG, IL 60173 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $141 | $3K | 10.49% |
| SCHWARTZ BENEFIT SERVICES INC3 | 500 W MADISON ST., STE 2700 CHICAGO, IL 60661 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $101 | $3K | 10.40% |
| ASSURANCE AGENCY LTD3 | 1750 EAST GOLF ROAD STE 140 CHICAGO, IL 60173 | VISION SERVICE PLAN | $315 | — | $315 | 3.97% |
| ROCKWELL & ASSOCIATES3 Filed as: ROCKWELL & ASSOCIATES LTD | 303 W ERIE ST SUITE 400 CHICAGO, IL 60610 | AFLAC | $79 | — | $79 | 2.34% |
| KATHERINE STEPHANI3 Filed as: KATHERINE NICOLE STEPHANI | 300 WALL ST UNIT 301 SAINT PAUL, MN 55101 | AFLAC | $69 | — | $69 | 2.05% |
| NASCA & ASSOCIATES3 Filed as: NASCA AND ASSOCIATES LTD | 303 W ERIE ST STE 400 CHICAGO, IL 60654 | AFLAC | $51 | — | $51 | 1.51% |
| THE SEGAL COMPANY3 Filed as: LAURA SEGEL | 360 W ILLINOIS ST APT 9A CHICAGO, IL 60654 | AFLAC | $41 | — | $41 | 1.22% |
| MARK D BARBIER3 Filed as: MARK BARBIER | 802 DEER TRAIL LN OAK BROOK, IL 60523 | AFLAC | $24 | — | $24 | 0.71% |
| MATT S IBACH3 | 233 E 13TH ST APT 2302 CHICAGO, IL 60605 | AFLAC | $11 | — | $11 | 0.33% |
| TYRONE WATTS3 | 1132 E 46TH STREET CHICAGO, IL 60653 | AFLAC | $1 | — | $1 | 0.03% |
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 | 160 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 162 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ILLINOIS | 180 | $894K |
| Dental | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 160 | $131K |
| Vision | VISION SERVICE PLAN | 72 | $8K |
| Life insurance | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 160 | $131K |
| Short-term disability(2 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 160 | $134K |
| Long-term disability | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 160 | $131K |
| Other(2 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 160 | $158K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 180 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.