| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROSENTHAL BROS INC3 Filed as: ROSENTHAL BROS. INC. | 740 WAUKEGAN ROAD, STE. 402 DEERFIELD, IL 60015 | COMPCARE HEALTH SERVICES INSURANCE CORPORATION | $40K | — | $40K | 2.75% |
| ROSENTHAL BROS INC3 Filed as: ROSENTHAL BROTHERS, INC. | PO BOX 226 SKOKIE, IL 60077 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $19K | $2K | $21K | 9.83% |
| N-GAGE LLC3 | 7325 JANES AVE WOODRIDGE, IA 60517 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $15K | — | $15K | 6.87% |
| ROSENTHAL BROS INC3 | 740 WAUKEGAN ROAD, STE. 402 DEERFIELD, IL 60015 | BLUE CROSS BLUE SHIELD OF WISCONSIN | $5K | — | $5K | 2.66% |
| ROSENTHAL BROS INC3 | 740 WAUKEGAN ROAD SUITE 402 DEERFIELD, IL 60015 | ANTHEM LIFE INSURANCE COMPANY | $1K | — | $1K | 12.11% |
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 | 158 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 159 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 157 | $216K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 157 | $216K |
| Life insurance | ANTHEM LIFE INSURANCE COMPANY | 158 | $8K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 157 | $216K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 157 | $216K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 157 | $216K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 254 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.