| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JJ DOORHY BENEFITS GROUP3 | 1000 BURR RIDGE PKWY BURR RIDGE, IL 60527 | BLUE CROSS BLUE SHIELD OF ILLINOIS | $193K | $30K | $223K | 5.76% |
| J J DOORHY BENEFITS GROUP3 Filed as: JJ DOORHY BENEFITS AND ASSOCIATES | 1000 BURR RIDGE PKWY BURR RIDGE, IL 60527 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $24K | — | $24K | 8.25% |
| HENRY J SAMAAN3 Filed as: HENRY JACOB SAMAAN | 19W152 21ST PLACE LOMBARD, IL 60148 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $11K | $2K | $13K | 4.22% |
| DEBRA POCZATKO3 Filed as: DEBRA RENNE BARCH | 14466 S ELIZABETH LN HOMER GLEN, IL 60491 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $10K | $1K | $11K | 3.73% |
| GERALD A GREENEN3 | 1212 S NAPER NAPERVILLE, IL 60540 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $5K | $2K | $7K | 2.37% |
| MONICA L LEIVA3 | 556 N ARTESIAN AVE CHICAGO, IL 60612 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3K | — | $3K | 0.92% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 2850 GOLF RD ROLLING MEADOWS, IL 60008 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $234 | — | $234 | 0.08% |
| CORCORAN & HOYT LLC3 | 12505 BRONCO DRIVE TAMPA, FL 33624 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $178 | — | $178 | 0.06% |
| ANTHONY VESTAL3 | 15512 RIDGEFIELD DR MANHATTAN, IL 60442 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $168 | — | $168 | 0.06% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: LAMBENT RISK MANAGEMENT SERVICES | 33 N LASALLE ST CHICAGO, IL 60602 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $128 | — | $128 | 0.04% |
| RUSSELL R DIXON3 Filed as: RUSSELL R DIXON INC | PO BOX 27 WHEATON, IL 60187 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.00% |
| FINANCIAL SERVICE MANAGERS, INC.3 Filed as: FINANCIAL SERVICE MANAGERS | 101 BURR RIDGE PKWY WILLOWBROOK, IL 60527 | GUARDIAN | $19K | $8K | $27K | 10.61% |
| H J SAMAAN INC3 Filed as: HJ SAMAAN INC AND HENRY J SAMAA | 19W152 21ST PLACE LOMBARD, IL 60148 | GUARDIAN | $4K | — | $4K | 1.66% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: LAMBENT RISK MANAGEMENT SERVICES | 141 W JACKSON BLVD STE 1500 CHICAGO, IL 60604 | AFLAC | $35 | — | $35 | 4.84% |
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 | 622 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 622 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF ILLINOIS | 622 | $3.9M |
| Dental | GUARDIAN | 507 | $255K |
| Vision | GUARDIAN | 507 | $255K |
| Life insurance | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 474 | $297K |
| Long-term disability(2 contracts, 2 carriers) | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 474 | $297K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 622 | — |
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.