| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSURANCE AGENCY LTD3 Filed as: ASSURANCE AGENCY | 20 N. MARTINGALE RD., STE 100 SCHAUMBURG, IL 60173 | GUARDIAN | $8K | $6K | $14K | 17.25% |
| ASSURANCE AGENCY LTD3 Filed as: ASSURANCE AGENCY | 20 N. MARTINGALE RD., STE 100 SCHAUMBURG, IL 60173 | COLONIAL LIFE AND ACCIDENT INS CO | $476 | — | $476 | 14.31% |
| R STERNBERG3 | 374 MILFORD RD DEERFIELD, IL 60015 | COLONIAL LIFE AND ACCIDENT INS CO | $229 | $9 | $238 | 7.15% |
| D T WEINSTEIN3 | 601 W JACKSON BLVD- UNIT 912 CHICAGO, IL 60661 | COLONIAL LIFE AND ACCIDENT INS CO | $82 | $5 | $87 | 2.61% |
| M BLOCK3 | 16619 S PINECREEK DRIVE LOCKPORT, IL 60441 | COLONIAL LIFE AND ACCIDENT INS CO | $79 | — | $79 | 2.37% |
| E BONNER3 | 974 ROSEFILED LANE AURORA, IL 60504 | COLONIAL LIFE AND ACCIDENT INS CO | $33 | $30 | $63 | 1.89% |
| J T JONES3 | 25 GARFIELD LN STREAMWOOD, IL 60107 | COLONIAL LIFE AND ACCIDENT INS CO | $15 | $3 | $18 | 0.54% |
| D EARL3 Filed as: D G EARL | 289 REDWOOD AVE ELK GROVE, IL 60007 | COLONIAL LIFE AND ACCIDENT INS CO | $3 | $1 | $4 | 0.12% |
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 | 112 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 113 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | GUARDIAN | 112 | $80K |
| Vision | GUARDIAN | 112 | $80K |
| Life insurance | GUARDIAN | 112 | $80K |
| Short-term disability | GUARDIAN | 112 | $80K |
| Long-term disability | GUARDIAN | 112 | $80K |
| Other(2 contracts, 2 carriers) | GUARDIAN | 112 | $83K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 112 | — |
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.