| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CRUM HALSTED AGENCY INC3 Filed as: CRUM HALSTED AGENCY INC. | 2350 BETHANY ROAD SYCAMORE, IL 60178 | HUMANA HEALTH PLAN, INC. | $37K | $2K | $40K | 5.07% |
| BENEFITDECISIONS.COM3 Filed as: BENEFITDECISIONS COMPANY | 125 SOUTH WACKER DRIVE SUITE 2075 CHICAGO, IL 60606 | HUMANA HEALTH PLAN, INC. | $6K | — | $6K | 0.74% |
| DS&P INSURANCE SERVICES, INC.3 Filed as: DS AND P INSURANCE SERVICES INC. | 1900 EAST GOLF ROAD SUITE 650 SCHAUMBURG, IL 60173 | HUMANA HEALTH PLAN, INC. | -$4K | — | -$4K | -0.53% |
| CRUM HALSTED AGENCY INC3 Filed as: CRUM HALSTED AGENCY INC. | 2350 BETHANY ROAD SYCAMORE, IL 60178 | HUMANA INSURANCE COMPANY | $21K | $1K | $22K | 4.35% |
| BENEFITDECISIONS.COM3 Filed as: BENEFITDECISIONS COMPANY | 125 SOUTH WACKER DRIVE CHICAGO, IL 60606 | HUMANA INSURANCE COMPANY | $4K | — | $4K | 0.74% |
| DS&P INSURANCE SERVICES, INC.3 Filed as: DS AND P INSURANCE SERVICES INC. | 1900 EAST GOLF ROAD SUITE 650 SCHAUMBURG, IL 60173 | HUMANA INSURANCE COMPANY | $23 | — | $23 | 0.00% |
| CRUM HALSTED AGENCY INC3 Filed as: CRUM HALSTED AGENCY INC. | 2350 BETHANY ROAD SYCAMORE, IL 60178 | HUMANA MEDICAL PLAN, INC. | — | $122 | $122 | 0.34% |
| CRUM HALSTED AGENCY INC3 Filed as: CRUM HALSTED AGENCY INC. | 2350 BETHANY ROAD SYCAMORE, IL 60178 | KANAWHA INSURANCE COMPANY | $2K | — | $2K | 14.15% |
| BENEFITDECISIONS.COM3 Filed as: BENEFITDECISIONS COMPANY | 125 SOUTH WACKER DRIVE SUITE 2075 CHICAGO, IL 60606 | KANAWHA INSURANCE COMPANY | $394 | — | $394 | 3.34% |
| DS&P INSURANCE SERVICES, INC.3 Filed as: DS AND P INSURANCE SERVICES INC. | 1900 EAST GOLF ROAD SUITE 650 SCHAUMBURG, IL 60173 | KANAWHA INSURANCE COMPANY | -$397 | — | -$397 | -3.37% |
| CRUM HALSTED AGENCY INC3 Filed as: CRUM HALSTED AGENCY INC. | 2350 BETHANY ROAD SYCAMORE, IL 60178 | HUMANADENTAL INSURANCE COMPANY | $802 | — | $802 | 8.26% |
| BENEFITDECISIONS.COM3 Filed as: BENEFITDECISIONS COMPANY | 125 SOUTH WACKER DRIVE SUITE 2075 CHICAGO, IL 60606 | HUMANADENTAL INSURANCE COMPANY | $156 | — | $156 | 1.61% |
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 | 184 | 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) | 184 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | HUMANA HEALTH PLAN, INC. | 115 | $1.3M |
| Vision | HUMANADENTAL INSURANCE COMPANY | 90 | $10K |
| Life insurance | KANAWHA INSURANCE COMPANY | 184 | $12K |
| Prescription drug(3 contracts, 3 carriers) | HUMANA HEALTH PLAN, INC. | 115 | $1.3M |
| Other | KANAWHA INSURANCE COMPANY | 184 | $12K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 184 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.