| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AMERICAN WESTBROOK INS SERVICES LLC3 Filed as: AMERICAN WESTBROOK INS. SVCS. LLC | 4 WESTBROOK CORPORATE CENTER SUITE 500 WESTCHESTER, IL 60154 | UNITEDHEALTHCARE INSURANCE COMPANY | $38K | $69K | $107K | 4.66% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF ILLINOIS, LLC | 4 WESTBROOK CORPORATE CENTER SUITE 500 WESTCHESTER, IL 60154 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1K | $205 | $2K | 17.11% |
| DAILYFEATS INC.3 Filed as: DAILYFEATS, INC. | 101 TREMONT STREET, SUITE 1100 BOSTON, MA 02108 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $154 | $0 | $154 | 1.59% |
| THE PIETSCH FINANCIAL GROUP IN3 Filed as: THE PIETSCH FINANCIAL GROUP INS. | 1751 LAKE COOK ROAD DEERFIELD, IL 60015 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $55 | $0 | $55 | 0.57% |
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 | 276 | 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) | 276 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 376 | $2.3M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 376 | $2.3M |
| Vision | VISION SERVICE PLAN | 250 | $72K |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 376 | $2.3M |
| Short-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 376 | $2.3M |
| Long-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 376 | $2.3M |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 376 | $2.3M |
| Other(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 376 | $2.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 376 | — |
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.