| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACRISURE LLC3 | 100 OTTAWA AVE SW GRAND RAPIDS, MI 49503 | BLUECROSS BLUESHIELD OF ILLINOIS | $53K | $2K | $55K | 4.03% |
| ACRISURE LLC3 Filed as: ACRISURE LLC DBA PRESIDIO | 55 SHUMAN BLVD STE 900 NAPERVILLE, IL 60563 | PRINCIPAL LIFE INSURANCE COMPANY | $20K | $6K | $26K | 13.77% |
| ACRISURE LLC3 | PO BOX 1788 GRAND RAPIDS, MI 49501 | PRINCIPAL LIFE INSURANCE COMPANY | — | $2K | $2K | 1.06% |
| WINE SERGI & CO LLC3 | 1000 E WARRENVILLE RD STE 101 NAPERVILLE, IL 60563 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 20.00% |
| WINE SERGI & CO LLC3 | 1000 E WARRENVILLE RD STE 101 NAPERVILLE, IL 60563 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 20.00% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC | 55 SHUMAN BLVD STE 900 NAPERVILLE, IL 60563 | VISION SERVICE PLAN | $698 | — | $698 | 7.80% |
| GROUP BENEFITS LTD3 Filed as: GROUP BENEFITS, LTD. | 12006 RIDGEMONT DR URBANDALE, IA 50323 | VISION SERVICE PLAN | $537 | — | $537 | 6.00% |
| ENROLLEASE3 Filed as: ENROLLEASE, INC DBA EASECENTRAL | 1980 FESTIVAL PLAZA DR STE 810 LAS VEGAS, NV 89135 | VISION SERVICE PLAN | $112 | — | $112 | 1.25% |
| EMPLOYEE NAVIGATOR, LLC3 | 7979 OLD GEORGETOWN RD STE 300 BETHESDA, MD 20814 | VISION SERVICE PLAN | $45 | — | $45 | 0.50% |
| WINE SERGI & CO LLC3 | 1000 E WARRENVILLE RD STE 101 NAPERVILLE, IL 60563 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $450 | — | $450 | 19.98% |
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 | 108 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 108 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ILLINOIS | 142 | $1.4M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 218 | $188K |
| Vision | VISION SERVICE PLAN | 81 | $9K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 218 | $188K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 218 | $188K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 218 | $188K |
| Other(4 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 218 | $215K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 218 | — |
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.