| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CROWN RISK MANAGEMENT, LLC3 Filed as: LAMBENT RISK MANAGEMENT SERVICES | 141 W JACKSON BLVD STE 1500 CHICAGO, IL 60604 | BLUE CROSS BLUE SHIELD OF ILLINOIS | $106K | — | $106K | 4.68% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: LAMBENT RISK MANAGEMENT SERVICES | 141 W JACKSON BLVD STE 1500 CHICAGO, IL 60604 | GUARDIAN | $5K | $2K | $6K | 4.27% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: LAMBENT RISK MANAGEMENT SERVICES | 33 N LASALLE ST CHICAGO, IL 60602 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $15K | — | $15K | 10.44% |
| HENRY J SAMAAN3 Filed as: HENRY JACOB SAMAAN | 19W152 21ST PL LOMARD, IL 60148 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $10K | $4K | $13K | 9.15% |
| GERALD A GREENEN3 | 1212 S NAPER NAPERVILLE, IL 60540 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $5K | $358 | $6K | 3.93% |
| ANTHONY VESTAL3 | 15512 RIDGEFIELD DR MANHATTAN, IL 60442 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $115 | $2K | 1.31% |
| MARK D BARBIER3 Filed as: MARK BARBIER | 23 CROYDON LA OAKBROOK, IL 60523 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $20 | $2K | 1.17% |
| MONICA L LEIVA3 | 556 N ARTESIAN AVE CHICAGO, IL 60612 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $425 | — | $425 | 0.29% |
| ROBERT CZERWINSKI3 | 3512 STONECREEK JOLIET, IL 60435 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $411 | — | $411 | 0.28% |
| CORCORAN & HOYT LLC3 | 12505 BRONCO DRIVE TAMPA, FL 33624 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $357 | — | $357 | 0.24% |
| DEBRA POCZATKO3 Filed as: DEBRA RENNE BARCH | 14466 S ELIZABETH LN HOMER GLEN, IL 60491 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $326 | — | $326 | 0.22% |
| KATIE ELIZABETH KELLEY3 | 30 SOUTHFORK DR DADEVILLE, AL 36853 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $54 | — | $54 | 0.04% |
| RUSSELL R DIXON3 Filed as: RUSSELL R DIXON LLC | P.O. BOX 27 WHEATON, IL 60187 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $19 | — | $19 | 0.01% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: LAMBENT RISK MANAGEMENT SERVICES | 141 W JACKSON BLVD STE 1500 CHICAGO, IL 60604 | FIDELITY SECURITY LIFE | $991 | — | $991 | 4.89% |
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 | 293 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 293 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF ILLINOIS | 250 | $2.3M |
| Dental | GUARDIAN | 282 | $147K |
| Vision(2 contracts, 2 carriers) | GUARDIAN | 282 | $167K |
| Life insurance | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 293 | $147K |
| Long-term disability | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 293 | $147K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 293 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.