| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SNYDER JOSEPH T & ASSOCIATES LTD3 Filed as: SNYDER INS. & FINANCIAL SERVICES | 1021 75TH STREET DARIEN, IL 60561 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $21K | $0 | $21K | 7.29% |
| TASK INSURANCE GROUP, LLC3 | UNKNOWN BOURBANNAIS, IL 60914 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $7K | $0 | $7K | 2.56% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC | UNKNOWN BOURBONNAIS, IL 60914 | DELTA DENTAL OF ILLINOIS | $4K | $0 | $4K | 6.88% |
| THE BOON INSURANCE AGENCY3 Filed as: BOON INSURANCE AGENCY, INC. | UNKNOWN BOURBONNAIS, IL 60914 | DELTA DENTAL OF ILLINOIS | $0 | $1K | $1K | 1.88% |
| JOSEPH T SNYDER3 Filed as: JOSEPH T. SNYDER & ASSOCIATES, INC. | 1021 75TH STREET DARIEN, IL 60561 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 9.61% |
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 | 78 | 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) | 79 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 105 | $282K |
| Dental | DELTA DENTAL OF ILLINOIS | 74 | $60K |
| Vision | DELTA DENTAL OF ILLINOIS | 74 | $60K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 137 | $23K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 137 | $23K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 105 | $282K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 137 | $23K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 137 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.