| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS ILLINOIS | FOUR WESTBROOK CORPORATE CENTER STE 500 WESTCHESTER, IL 60154 | STARMOUNT LIFE INSURANCE COMPANY | $8K | — | $8K | 9.18% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: INSENTIAL, INC. | 4 WESTBROOK CORPORATE CTR WESTCHESTER, IL 60154 | STARMOUNT LIFE INSURANCE COMPANY | $4K | — | $4K | 4.59% |
| BENEFIT PLANNING SERVICES INC3 | 6833 STALTER DRIVE STE 200 ROCKFORD, IL 61108 | STARMOUNT LIFE INSURANCE COMPANY | $749 | $150 | $899 | 0.98% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF ILLINOIS LLC | 4 WESTBROOK CORP CTR STE 500 WESTCHESTER, IL 60154 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $592 | $4K | 16.55% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES IL INC | 500 W MADISON ST STE 2760 CHICAGO, IL 60661 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $261 | — | $261 | 1.23% |
| BENEFIT PLANNING SERVICES INC3 Filed as: BENEFIT PLANNING SERVICES, INC | 6833 STALTER DR STE 200 ROCKFORD, IL 611082582 | VISION SERVICE PLAN | $47 | — | $47 | 0.28% |
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 | 140 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 6 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 147 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | STARMOUNT LIFE INSURANCE COMPANY | 77 | $92K |
| Vision | VISION SERVICE PLAN | 117 | $17K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 189 | $21K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 189 | $21K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 189 | — |
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.