| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CONCKLIN INSURANCE AGENCY3 Filed as: CONCKLIN AGENCY INC. | 240 S. WESTMORE ROAD LOMBARD, IL 60148 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 8.33% |
| DS&P INSURANCE SERVICES, INC.3 | 1900 EAST GOLF ROAD SCHAUMBURG, IL 60173 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $982 | — | $982 | 4.67% |
| ROGERS BENEFIT GROUP INC3 Filed as: ROGERS BENEFIT GROUP, INC. | 2443 SOUTH CHOLLA PLACE CHANDLER, AZ 85286 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $674 | — | $674 | 3.20% |
| CONCKLIN INSURANCE AGENCY3 Filed as: CONCKLIN INSURANCE AGENCY INC. | 240 S. WESTMORE LOMBARD, IL 60148 | COMPANION LIFE INSURANCE COMPANY | $2K | — | $2K | 10.43% |
| ROGERS BENEFIT GROUP INC3 Filed as: ROGERS BENEFIT GROUP | 5110 N. 40TH STREET-STE. 234 PHOENIX, AZ 85018 | COMPANION LIFE INSURANCE COMPANY | $1K | — | $1K | 6.11% |
| DSP INSURANCE SERVICES, INC.3 Filed as: DSP INSURANCE SERVICES INC. | 1900 GOLF ROAD-SUITE 650 SCHAUMBURG, IL 60173 | COMPANION LIFE INSURANCE COMPANY | $303 | — | $303 | 1.78% |
| CONCKLIN INSURANCE AGENCY3 Filed as: CONCKLIN INSURANCE AGENCY INC. | 240 S. WESTMORE LOMBARD, IL 60148 | COMPANION LIFE INSURANCE COMPANY | $2K | — | $2K | 13.70% |
| ROGERS BENEFIT GROUP INC3 Filed as: ROGERS BENEFIT GROUP | 5110 N. 40TH STREET-STE 234 PHOENIX, AZ 85018 | COMPANION LIFE INSURANCE COMPANY | $1K | — | $1K | 8.16% |
| DSP INSURANCE SERVICES, INC.3 | 1900 GOLF ROAD-STE 650 SCHAUMBURG, IL 60173 | COMPANION LIFE INSURANCE COMPANY | $388 | — | $388 | 2.62% |
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 | 155 | 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) | 155 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | COMPANION LIFE INSURANCE COMPANY | 155 | $17K |
| Life insurance(2 contracts) | COMPANION LIFE INSURANCE COMPANY | 155 | $32K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 54 | $21K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 54 | $21K |
| Other(2 contracts) | COMPANION LIFE INSURANCE COMPANY | 155 | $32K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 155 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.