| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JAMES GNASTER3 | 170 N. NORTHWEST HWY UNIT 308 PARK RIDGE, IL 60068 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $79K | — | $79K | 6.47% |
| GNASTER & GNASTER INC3 | 703 EDGEMANT LANE PARK RIDGE, IL 60068 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $21K | — | $21K | 1.73% |
| JAMES MENIGHAN3 Filed as: JAMES REISDORF | 1000 N. MILWAUKEE AVENUE GLENVIEW, IL 60025 | COMBINED INSURANCE COMPANY OF AMERICA | $730 | — | $730 | 0.60% |
| NATIONAL BOND AND TRUST3 | PO BOX 1558 CROWN POINT, IN 46308 | COMBINED INSURANCE COMPANY OF AMERICA | $27 | — | $27 | 0.02% |
| DONALD CAMP3 | 1000 N. MILWAUKEE AVENUE GLENVIEW, IL 60025 | COMBINED INSURANCE COMPANY OF AMERICA | $11 | — | $11 | 0.01% |
| KURTIS COHN3 | 1000 N. MILWAUKEE AVENUE GLENVIEW, IL 60025 | COMBINED INSURANCE COMPANY OF AMERICA | $1 | — | $1 | 0.00% |
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 | 6,873 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 44 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 6,917 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(3 contracts, 3 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 6,719 | $1.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 6,719 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.