| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THOMAS A IZZO & ASSOCIATES INC3 | 117 N EMERALD DR MCHENRY, IL 60051 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 4.75% |
| LAWRENCE S BRODSKY3 Filed as: LAWRENCE BRODSKY | 847 S RANDALL RD STE 225 ELGIN, IL 60123 | STANDARD INSURANCE COMPANY | $746 | — | $746 | 1.22% |
| THOMAS A IZZO & ASSOCIATES INC3 | 117 N EMERALD DR MCHENRY, IL 60051 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 7.42% |
| LAWRENCE S BRODSKY3 | 33 W HIGGINS RD STE 715 SOUTH BARRINGTON, IL 60010 | STANDARD INSURANCE COMPANY | $1K | — | $1K | 5.00% |
| THOMAS A IZZO & ASSOCIATES INC3 Filed as: THOMAS A IZZO & ASSOC INC | 117 N EMERALD DR MCHENRY, IL 60051 | HUMANA INSURANCE COMPANY | $26K | — | $26K | 95.57% |
| THOMAS A IZZO & ASSOCIATES INC3 | 117 N EMERALD DR MCHENRY, IL 60051 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 13.88% |
| LAWRENCE S BRODSKY3 | 33 W HIGGINS RD STE 715 SOUTH BARRINGTON, IL 60010 | STANDARD INSURANCE COMPANY | $966 | — | $966 | 5.00% |
| THOMAS A IZZO & ASSOCIATES INC3 | 117 N EMERALD DR MCHENRY, IL 60051 | STANDARD INSURANCE COMPANY | $1K | — | $1K | 9.14% |
| LAWRENCE S BRODSKY3 | 33 W HIGGINS RD, STE 715 SOUTH BARRINGTON, IL 60010 | STANDARD INSURANCE COMPANY | $795 | — | $795 | 5.00% |
| THOMAS A IZZO & ASSOCIATES INC3 Filed as: THOMAS A IZZO & ASSOC INC | 117 N EMERALD DR MCHENRY, IL 60051 | HUMANA HEALTH PLAN, INC. | $12K | — | $12K | 100.00% |
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 | 166 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 166 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HUMANA INSURANCE COMPANY | 78 | $39K |
| Dental | STANDARD INSURANCE COMPANY | 109 | $61K |
| Vision | HUMANA INSURANCE COMPANY | 78 | $27K |
| Life insurance | STANDARD INSURANCE COMPANY | 166 | $16K |
| Short-term disability | STANDARD INSURANCE COMPANY | 33 | $29K |
| Long-term disability | STANDARD INSURANCE COMPANY | 35 | $19K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 166 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.