| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ANDREW JOSEPH ARKIN3 | 2052 N LINCOLN PARK WEST CHICAGO, IL 60614 | AETNA LIFE INSURANCE COMPANY | $332K | — | $332K | 2.25% |
| RT NELSON & ASSOC., LTD.3 | 903 COMMERCE DRIVE SUITE 150 OAK BROOK, IL 60523 | HARTFORD LIFE AND ACCIDENT | $105K | — | $105K | 7.52% |
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 | 559 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 561 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 1,425 | $14.7M |
| Dental | AETNA LIFE INSURANCE COMPANY | 1,425 | $14.7M |
| Vision | AETNA LIFE INSURANCE COMPANY | 1,425 | $14.7M |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 664 | $1.4M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 664 | $1.4M |
| Other | HARTFORD LIFE AND ACCIDENT | 664 | $1.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,425 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.