| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AFFILIATED BENEFIT CONSULTANTS3 Filed as: AFFILIATED BENEFIT CONSULTANTS, INC | 1111 WEST 22ND STREET, SUITE 620 OAK BROOK, IL 60523 | BLUECROSS BLUESHIELD OF ILLINOIS | $76K | $2K | $77K | 3.96% |
| JOHN ARAUJO3 | 1111 W 22ND ST STE 620 OAK BROOK, IL 60523 | NORTHWESTERN MUTUAL | $6K | $1K | $7K | 3.02% |
| MCQUADE FNCL GRP LLC3 | 1 N WACKER DRIVE STE 4600 CHICAGO, IL 60606 | NORTHWESTERN MUTUAL | $1K | $107 | $1K | 0.57% |
| THOMAS A JACOBS3 | 626 MADRID AVE VENICE, FL 34285 | NORTHWESTERN MUTUAL | $102 | $26 | $128 | 0.05% |
| JOHN ARAUJO3 | 1111 W 22ND ST STE 620 OAK BROOK, IL 60523 | NORTHWESTERN MUTUAL | $3K | $765 | $4K | 3.83% |
| MCQUADE FNCL GRP LLC3 | 1 N WACKER DRIVE STE 4600 CHICAGO, IL 60606 | NORTHWESTERN MUTUAL | $635 | $56 | $691 | 0.70% |
| THOMAS A JACOBS3 | 626 MADRID AVE VENICE, FL 34285 | NORTHWESTERN MUTUAL | $144 | $37 | $181 | 0.18% |
| AFFILIATED BENEFIT CONSULTANTS3 | 1111 W 22ND STREET SUITE 620 OAK BROOK, IL 60523 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 2.10% |
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 | 193 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 194 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ILLINOIS | 407 | $2.0M |
| Dental | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 193 | $83K |
| Life insurance | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 193 | $83K |
| Short-term disability | NORTHWESTERN MUTUAL | 200 | $98K |
| Long-term disability | NORTHWESTERN MUTUAL | 193 | $233K |
| Other | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 193 | $83K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 407 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.