| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LUNDSTROM INSURANCE AGENCY3 | 2205 POINT BLVD SUITE 200 ELGIN, IL 60123 | BLUECROSS BLUESHIELD OF ILLINOIS | $138K | $2K | $139K | 3.51% |
| LUNDSTROM INSURANCE AGENCY3 Filed as: LUNDSTROM INSURANCE AGCY | 2205 POINT BLVD SUITE 200 ELGIN, IL 60123 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $21K | — | $21K | 9.47% |
| H E INSURANCE INC3 | 225 W WASHINGTON SUITE 1550 CHICAGO, IL 60606 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $8 | — | $8 | 0.00% |
| 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 | $5K | $2K | $7K | 4.54% |
| LUNDSTROM INSURANCE AGENCY3 | 2205 POINT BLVD SUITE 200 ELGIN, IL 60123 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $15K | — | $15K | 15.00% |
| LUNDSTROM INSURANCE AGENCY3 | 2205 POINT BLVD SUITE 200 ELGIN, IL 60123 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $1K | $5K | 5.26% |
| LUNDSTROM INSURANCE AGENCY3 Filed as: LUNDSTROM INSURANCE AGENCY, INC. | 2205 POINT BLVD SUITE 200 ELGIN, IL 601237840 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $1K | — | $1K | 8.86% |
| LUNDSTROM INSURANCE AGENCY3 Filed as: LUNDSTROM INSURANCE AGENCY, INC. | 2205 POINT BLVD ELGIN, IL 60123 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $1K | — | $1K | 9.14% |
| ADVANCED BENEFIT SOLUTIONS INC3 Filed as: ADVANCED BENEFIT SOLUTIONS | DBA 44 NORTH 1406 N. MITCHELL ST CADILLAC, MI 49601 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $402 | — | $402 | 3.36% |
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 | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 582 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ILLINOIS | 699 | $4.0M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 188 | $165K |
| Vision(2 contracts) | FIDELITY SECURITY LIFE INSURANCE COMPANY | 266 | $28K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 578 | $217K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 381 | $95K |
| Long-term disability(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 578 | $363K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 697 | $319K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 699 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.