| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HOWARD LABOW3 Filed as: HOWARD SCHUFF | 1866 SHERIDAN RD STE 302 HIGHLAND PARK, IL 60035 | BLUECROSS BLUESHIELD OF ILLINOIS | $44K | — | $44K | 3.26% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN BROWN & GOMBERG LTD | 5750 OLD ORCHARD ROAD PO BOX 1789 SKOKIE, IL 60077 | BLUECROSS BLUESHIELD OF ILLINOIS | $11K | — | $11K | 0.80% |
| HOWARD LABOW3 Filed as: HOWARD SCHUFF | 1866 SHERIDAN RD STE 302 HIGHLAND PARK, IL 60035 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 12.86% |
| HOWARD LABOW3 Filed as: HOWARD SCHUFF | 1866 SHERIDAN RD STE 302 HIGHLAND PARK, IL 60035 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 15.15% |
| HOWARD LABOW3 Filed as: HOWARD SCHUFF | 1866 SHERIDAN RD STE 302 HIGHLAND PARK, IL 60035 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 14.92% |
| HOWARD LABOW3 Filed as: HOWARD B SCHUFF | 1866 SHERIDAN RD #302 HIGHLAND PARK, IL 60035 | DEARBORN LIFE INSURANCE COMPANY | $941 | — | $941 | 10.03% |
| RESOURCE BROKERAGE LLC3 | 1501 E WOODFIELD RD STE 110E SCHAUMBURG, IL 60173 | DEARBORN LIFE INSURANCE COMPANY | — | $467 | $467 | 4.98% |
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 | 145 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 5 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 150 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ILLINOIS | 152 | $1.3M |
| Dental | BLUECROSS BLUESHIELD OF ILLINOIS | 152 | $1.3M |
| Vision | DEARBORN LIFE INSURANCE COMPANY | 70 | $9K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 150 | $27K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 29 | $15K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 150 | $27K |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 150 | $40K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 152 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.