| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CMR BENEFITS GROUP INC3 | 4347 CARLISLE DR PRAIRIE GROVE, IL 60012 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 15.00% |
| CMR BENEFITS GROUP INC3 Filed as: CMR BENEFITS GROUP, INC | 4347 CARLISLE DR CRYSTAL LAKE, IL 60012 | VISION SERVICE PLAN | $821 | — | $821 | 6.85% |
| CMR BENEFITS GROUP INC3 | 4347 CARLISLE DR PRAIRIE GROVE, IL 60012 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 15.00% |
| CMR BENEFITS GROUP INC3 | 4347 CARLISLE DR PRAIRIE GROVE, IL 60012 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $285 | — | $285 | 15.02% |
| CMR BENEFITS GROUP INC3 | 4347 CARLISLE DR PRAIRIE GROVE, IL 60012 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | -$605 | — | -$605 | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ALLIED BENEFIT SYSTEMS, LLC EIN 36-3086057 TPA | Contract Administrator Service code 13 | — | $42K |
| AETNA LIFE INSURANCE COMPANY EIN 06-6033492 PPO | Other fees Service code 99 | — | $28K |
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 | 115 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 116 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 103 | $12K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 263 | $32K |
| Long-term disability(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 26 | $9K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 128 | $196K |
| Other(3 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 263 | $59K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 263 | — |
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.