| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSURANCE AGENCY LTD3 | C/O ONE CENTURY CENTRE 1750 EAST GOLF ROAD SCHAUMBURG, IL 60173 | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | $188K | — | $188K | 10.05% |
| AXA ASSISTANCE, USA5 | 122 SOUTH MICHIGAN AVENUE SUITE 110 CHICAGO, IL 60603 | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $2K | $2K | 0.09% |
| ASSURANCE AGENCY LTD3 | 111 NORTH CANAL STREET SUITE 550 CHICAGO, IL 60606 | METROPOLITAN LIFE INSURANCE COMPANY | $45K | $41 | $45K | 19.43% |
| ASSURANCE AGENCY LTD3 | 1750 EAST GOLF ROAD SCHAUMBURG, IL 60173 | METROPOLITAN LIFE INSURANCE COMPANY | — | $3K | $3K | 1.44% |
| ASSURANCE AGENCY LTD3 | 111 NORTH CANAL STREET SUITE 550 CHICAGO, IL 60606 | METROPOLITAN LIFE INSURANCE CO | $24K | $41 | $24K | 18.91% |
| ASSURANCE AGENCY LTD3 | 1750 EAST GOLF ROAD SCHAUMBURG, IL 60173 | METROPOLITAN LIFE INSURANCE CO | — | $2K | $2K | 1.25% |
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 | 4,419 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 89 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 51 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 4,559 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | 4,419 | $1.9M |
| Short-term disability | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | 4,419 | $1.9M |
| Long-term disability | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | 4,419 | $1.9M |
| Other(4 contracts, 4 carriers) | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | 4,600 | $2.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,600 | — |
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.