| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| A.M. INSURANCE GROUP, INC.3 | 3010 E. FRANCIS CIRCLE ST. CHARLES, IL 60174 | BLUE CROSS BLUE SHIELD OF ILLINOIS | $60K | $1K | $62K | 2.03% |
| WELCH BROS INC.3 | P.O. BOX 749 ELGIN, IL 60121 | BLUE CROSS BLUE SHIELD OF ILLINOIS | — | $1 | $1 | 0.00% |
| A.M. INSURANCE GROUP, INC.3 | 4N701 SCHOOL ROAD SAINT CHARLES, IL 60175 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $2K | $7K | 14.10% |
| FLEXIBLE BENEFIT SERVICE CORP3 | 8700 W BRYN MAWR AVE SUITE 1000S CHICAGO, IL 60631 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $31 | $1K | 2.40% |
| A.M. INSURANCE GROUP, INC.3 Filed as: A.M. INSURANCE GROUP INC | 4N701 SCHOOL RD SAINT CHARLES, IL 60175 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | — | $9K | 16.97% |
| FLEXIBLE BENEFIT SERVICE CORP3 | 8700 W BRYN MAWR AVE SUITE 1000S CHICAGO, IL 60631 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 4.54% |
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 | 172 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 175 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF ILLINOIS | 533 | $3.0M |
| Life insurance(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 595 | $104K |
| Other(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 595 | $104K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 595 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.