| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JJ DOORHY BENEFITS GROUP3 | 1000 BURR RIDGE PKWY BURR RIDGE, IL 60527 | UNITED HEALTHCARE INSURANCE COMPANY | $127K | — | $127K | 5.74% |
| J J DOORHY BENEFITS GROUP3 Filed as: JJ DOORHY AND ASSOCIATES | 101 BURR RIDGE PKWY BURR RIDGE, IL 60527 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $16K | — | $16K | 7.76% |
| HENRY J SAMAAN3 Filed as: HENRY JACOB SAMAAN | 19W152 21ST PL LOMARD, IL 60148 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $11K | $5K | $16K | 7.74% |
| DEBRA POCZATKO3 Filed as: DEBRA RENNE BARCH | 14466 S ELIZABETH LN HOMER GLEN, IL 60491 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $10K | $1K | $12K | 5.53% |
| GERALD A GREENEN3 | 1212 S NAPER NAPERVILLE, IL 60540 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $6K | $3K | $9K | 4.50% |
| MONICA L LEIVA3 | 556 N ARTESIAN AVE CHICAGO, IL 60612 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $847 | — | $847 | 0.41% |
| KRISTAL DEL GUADALUPE FIGUEROA3 | 3257 COOL SPRINGS CT NAPERVILLE, IL 60564 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $724 | — | $724 | 0.35% |
| ANTHONY VESTAL3 | 15512 RIDGEFIELD DR MANHATTAN, IL 60442 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $624 | $70 | $694 | 0.33% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 2850 GOLF RD ROLLING MEADOWS, IL 60008 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $367 | $44 | $411 | 0.20% |
| JCASTELLANOS AND ASSOCIATES INC3 Filed as: JCASTELLANOS AND ASSOC. | 7441 FIGURA DR JUSTICE, IL 60458 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $274 | $1 | $275 | 0.13% |
| CORCORAN & HOYT LLC3 | 12505 BRONCO DRIVE TAMPA, FL 33624 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $228 | — | $228 | 0.11% |
| ROBERT CZERWINSKI3 | 3512 STONECREEK JOLIET, IL 60435 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $197 | — | $197 | 0.09% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: LAMBENT RISK MANAGEMENT SERVICES | 33 N LASALLE ST CHICAGO, IL 60602 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $194 | — | $194 | 0.09% |
| JANTELLE LAVONNE BONNER3 | 99 N POST OAK LN APT 5302 HOUSTON, TX 77024 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $40 | $37 | $77 | 0.04% |
| ELAISIUS BONNER3 | 974 ROSEFIELD LN AURORA, IL 60504 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $40 | $34 | $74 | 0.04% |
| JJ DOORHY BENEFITS GROUP3 | 1000 BURR RIDGE PKWY BURR RIDGE, IL 60527 | GUARDIAN | $6K | $2K | $9K | 4.57% |
| JJ DOORHY BENEFITS GROUP3 | 1000 BURR RIDGE PKWY STE 202 BURR RIDGE, IL 60527 | FIDELITY SECURITY LIFE | $146 | — | $146 | 4.90% |
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 | 360 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 360 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 314 | $2.2M |
| Dental | GUARDIAN | 352 | $194K |
| Vision(2 contracts, 2 carriers) | GUARDIAN | 352 | $197K |
| Life insurance | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 360 | $209K |
| Long-term disability | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 360 | $209K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 360 | — |
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.