| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIED BENEFIT SYSTEMS, LLC3 Filed as: ALLIED BENEFIT SYSTEMS | 200 W ADAMS SUITE 500 CHICAGO, IL 60606 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $18K | $0 | $18K | 10.00% |
| DEPLOYANT ADVISORS3 Filed as: DEPLOYANT ADVISORS LLC | 1350 E TOUHY AVE, STE 360E DES PLAINES, IL 60018 | VISION SERVICE PLAN | $1K | $0 | $1K | 4.68% |
| DEPLOYANT ADVISORS3 Filed as: DEPLOYANT ADVISORS LLC | 1350 E. TOUHY AVENUE DES PLAINES, IL 60018 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $0 | $1K | 6.57% |
| KRISTAL DEL GUADALUPE FIGUEROA3 | 3257 COOL SPRINGS CT NAPERVILLE, IL 60564 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $229 | $15 | $244 | 1.45% |
| ROBERT CZERWINSKI3 | 3512 STONE CREEK JOLIET, IL 60435 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $197 | $0 | $197 | 1.17% |
| CORCORAN & HOYT LLC3 | 3905 TAMPA ROAD OLDSMAR, FL 34677 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $123 | $69 | $192 | 1.14% |
| FELTER INC3 | 5403 COMMONWEALTH AVE WESTERN SPRINGS, IL 60558 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $170 | $0 | $170 | 1.01% |
| MARIS WALTER3 | 2437 BURR OAK AVE NORTH RIVERSIDE, IL 60546 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $142 | $11 | $153 | 0.91% |
| HOWARD HOROWITZ3 Filed as: HOWARD J HOROWITZ | 2610 ALCOTT STREET CARMEL, IL 46032 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $96 | $0 | $96 | 0.57% |
| JORGE ALEJANDRO MONTEMAYOR3 Filed as: JORGE H CASTELLANOS | 7441 FIGURA DRIVE JUSTICE, IL 60458 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | $0 | $3 | 0.02% |
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 | 274 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 274 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 237 | $176K |
| Vision | VISION SERVICE PLAN | 213 | $31K |
| Life insurance(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 353 | $213K |
| Short-term disability(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 353 | $213K |
| Long-term disability(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 353 | $213K |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 353 | $196K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 353 | — |
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.