| 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 | — | $130K | $130K | 4.80% |
| J J DOORHY BENEFITS GROUP3 Filed as: JJ DOORHY & ASSOCIATES | 101 BURR RIDGE PKWY BURR RIDGE, IL 60527 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $20K | — | $20K | 8.18% |
| HENRY J SAMAAN3 Filed as: HENRY JACOB SAMAAN | 19W152 21ST PL LOMBARD, IL 60148 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $11K | $2K | $13K | 5.30% |
| DEBRA POCZATKO3 Filed as: DEBRA RENEE BARCH | 14466 S ELIZABETH LN HOMER GLEN, IL 60491 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8K | $894 | $9K | 3.58% |
| GERALD A GREENEN3 | 472 ROUTE 47 STE F-102 SUGAR GROVE, IL 60554 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6K | $2K | $8K | 3.40% |
| MONICA L LEIVA3 | 556 N ARTESIAN AVE CHICAGO, IL 60612 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | — | $4K | 1.74% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2850 GOLF RD ROLLING MEADOWS, IL 60008 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $280 | — | $280 | 0.12% |
| CORCORAN & HOYT LLC3 | 12505 BRONCO DRIVE TAMPA, FL 33624 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $205 | — | $205 | 0.08% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: LAMBENT RISK MANAGEMENT SERVICES IN | 33 N LA SALLE STREET CHICAGO, IL 60602 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $160 | — | $160 | 0.07% |
| ROBERT CZERWINSKI3 | 3512 STONE CREEK JOLIET, IL 60435 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $104 | — | $104 | 0.04% |
| KRISTAL DEL GUADALUPE FIGUEROA3 | 3257 COOL SPRINGS CT NAPERVILLE, IL 60564 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $63 | — | $63 | 0.03% |
| ANTHONY VESTAL3 | 8437 STARLIGHT LOOP PARISH, FL 34219 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $33 | $10 | $43 | 0.02% |
| JCASTELLANOS AND ASSOCIATES INC3 | 7441 FIGURA DRIVE JUSTICE, IL 60458 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $17 | — | $17 | 0.01% |
| JANTELLE LAVONNE BONNER3 | 99 N POST OAK LN APT 5302 HOUSTON, TX 77024 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.00% |
| ELAISIUS BONNER3 | 974 ROSEFIELD LANE AURORA, IL 60504 | COLONIAL LIFE & 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 | $6K | $7K | $13K | 6.04% |
| H J SAMAAN INC3 Filed as: HJ SAMAAN INC AND HENRY J SAMAA | 19W152 21ST PLACE LOMBARD, IL 60148 | GUARDIAN | $4K | — | $4K | 1.81% |
| CROWN RISK MANAGEMENT, LLC3 Filed as: LAMBENT RISK MANAGEMENT SERVICES | 141 W JACKSON BLVD STE 1500 CHICAGO, IL 60604 | AFLAC | $31 | — | $31 | 4.87% |
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 | 478 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 478 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 478 | $2.7M |
| Dental | GUARDIAN | 415 | $215K |
| Vision | GUARDIAN | 415 | $215K |
| Life insurance | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 379 | $243K |
| Long-term disability(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 379 | $244K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 478 | — |
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.