| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LUNDSTROM INSURANCE AGENCY3 | 2205 POINT BLVD SUITE 200 ELGIN, IL 60123 | BLUECROSS BLUESHIELD OF ILLINOIS | $88K | $2K | $90K | 3.52% |
| LUNDSTROM INSURANCE AGENCY3 Filed as: LUNDSTROM INSURANCE AGCY | 2205 POINT BLVD SUITE 200 ELGIN, IL 60123 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $19K | — | $19K | 9.63% |
| H E INSURANCE INC3 | 225 W WASHINGTON SUITE 1550 CHICAGO, IL 60606 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $26 | — | $26 | 0.01% |
| LUNDSTROM INSURANCE AGENCY3 Filed as: LUNDSTROM INSURANCE AGCY | 2205 POINT BLVD SUITE 200 ELGIN, IL 60123 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $12K | — | $12K | 7.00% |
| LUNDSTROM INSURANCE AGENCY3 | 2205 POINT BLVD SUITE 200 ELGIN, IL 60123 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | $4 | $7K | 5.21% |
| LUNDSTROM INSURANCE AGENCY3 | 2205 POINT BLVD SUITE 200 ELGIN, IL 60123 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $13K | — | $13K | 15.02% |
| LUNDSTROM INSURANCE AGENCY3 | 2205 POINT BLVD SUITE 200 ELGIN, IL 60123 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 5.49% |
| LUNDSTROM INSURANCE AGENCY3 Filed as: LUNDSTROM INSURANCE AGENCY, INC. | 2205 POINT BLVD SUITE 200 ELGIN, IL 601237840 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $2K | — | $2K | 9.28% |
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 | 578 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 4 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 586 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ILLINOIS | 476 | $2.6M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 174 | $172K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 257 | $21K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 578 | $201K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 146 | $67K |
| Long-term disability(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 578 | $328K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 578 | $287K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 578 | — |
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."
No prospect flags tripped on this filing.